Hi, I got the same above letter which I have absolutely no recollection of, however AIB were able to forward me on a copy that they had posted to me in 2006 so as you can imagine I am kicking myself for not replying to it at the time. I am clutching at straws here but the fact that I did not reply to the letter requesting what interest rate I wanted I take it that they had the right to automatically put me on the variable rate? Silly questions, but I have to ask! Thanks