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Why the long response time?

The Staff House Loan Terms make no reference to being obliged to remain on a fixed rate nor do they say that you cannot revert to your Tracker rate. I spent months looking for the terms and after a Subject Access Request I was sent a paper version. There is and I do not think ever was an...

That's fantastic advice thank you. Much appreciated.

It's great to see the momentum behind this. I am waiting on the Bank response to the Ombudsman. 20 working days ends on 12th July so might see something next week.

What if the Bank made a mistake and switched the loan to an indefinite fixed rate but the purpose of the loan was excluded from their scheme. This exclusion was missed and the transfer done anyway. Should they be made to put it back to the Tracker and give back the extra interest charged?

Got the letter at the end of September, had to keep pushing for an answer. Originally all on tracker and some still on tracker now. Waiting for someone to contact me from Ombudsman. Agree seems straightforward and will keep trying.

The more of people that get on to them the better. I also submitted a GDPR looking for everything they have in my mortgage files. Particularly the fixed rate sheet at the time I switched to the 3% for part of the Mortgage and the signed document showing I could not switch back. Neither exist.

I will be interested to see how they reply. UB sent me a final resolution letter saying that there was no obligation to allow me to move back from the 3% to my existing Tracker which is still open for part of the Mortgage. I have submitted a complaint to the Ombudsman but nobody has contacted me...

Am going through the same thing at the moment. Did you get a resolution?