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Yes Brendan. We took out two trackers at the time, home and investment. Last summer, the investment fixed rate came to an end and we argued our case and got the tracker back so fast we couldn't believe it. This is the other one, and is a bit more complex since there were two fixed rate terms...

Here is our situation, any comments would be welcome. Took out tracker with UB in 05. Went fixed for two years in 06-08. Signed form like Karolina 's first form referring to banks Home Loan rate at end of fixed term. Presumed that it meant tracker, probably, but didn't 't think a lot about...

Aine K, we had exactly the same situation and documentation as you on an investment mortgage with UB. Fixed for five years and were not offered tracker back. Complained to bank and threatened FSO and got tracker back fairly fast without ever going to FSO. Lots of people have gotten trackers...

Hi mitzymoo, we got UB tracker back on investment property without having to go to Ombudsman. Have case with FSO now for our own home to get tracker back. Stick with it, it should go your way.

karolina77, we are in that exact situation and fixed rate term coming to an end in August. In summary, took out tracker with UB in Sept 05, ecb rate plus 0.85 percent. In summer 2006 fixed for two years, FRA stated that loan would revert to Banks Home Loan rate at end of fixed term if we...

Might be in same boat as you We fixed our rate for two years in 2006, and again for five years in August 08, noticing now that we signed a very slightly different wording on our FRA - this one said that loan would revert to SVR if we didn't choose any other product offered, previous FRA stated...

Good news for you, Bluebutton! This was an investment mortgage. We also rang a few months ago and got the cold shoulder from Ulst Bank about going back on tracker rate. And again when we got our letter at end of fixed rate we rang and got same story. Our letter of complaint clearly stated that...

Hi Brendan, it was not at all clear that we were losing our tracker. What we signed said that we would revert to the home loan rate, not the svr. In fact it was very vague. Therefore our presumption was that the original home loan rate that applied on that loan would resume. The ombudsman has a...

We took out a tracker mortgage with Ulster Bank in 2005 and fixed for five years in 2007. The form we signed stated that at the end of fixed rate term we would revert to the bank's home loan rate. Our mortgage document was clear that the ecb tracker rate was for the life of the mortgage. We made...