Hi everyone,first time poster,Anybody that can advise me would be appreciated,we went to aib to change our mortgage provider in 2008,after a few visits to the bank they sent us a document outlining the interest rate options for us to mull over before we drew down,on that document there were a selection of rates including variable,a couple of fixed options and a tracker home,the two year fixed option was our best option at the time,at the end of our fixed term we received our interest rate options going forward and no tracker option just a few LTV variable and a few fixed option,when they we're selling us their product it had the tracker option but it was too high for us 5.75%,so we fixed for some security with the intentions of seeing how it pans out over our fixed term,now despite us having clause 3.2 "at the end of any fixed term we would have the option to convert to a tracker which matches up perfectly with the options they sent us at the start,during our fixed term they withdrew trackers for new mortgage applicants as in the press statement in 2010,they altered the terms and conditions of a binding contract which we all know is illegal and that decision sent us into all sorts of trouble which is another story,have heard nada from the bank,data request sent about three weeks ago,I have my documents to hand here just want to see if they omit any documents they think we might not have,gonna fight this tooth and nail with the rest of ya,you cannot alter a legal document,by the way I have a pile of letters from aib we were getting bi-weekly because we missed two payments on a car loan to put to the mortgage about how we broke the terms and conditions and goods would be sized blah blah blah,any help please