Hi. We took out our mortgage in 2008. We had the option of fixed, variable or tracker. We are with AIB. There was uncertainty about everything, so we decided to go for a split mortgage: 50% fixed, 50% tracker. Obviously I have regretted it ever since!
Anyhow, when the fixed period of 5 years was coming to an end they wrote to us asking if we wanted to fix for another term, or let it revert to the standard variable rate. I rang them to ask them about the tracker. They told me that was not an option.
From what I have read here, my case is slightly different to other cases, I.e. I didn't start on the tracker then go fixed, so I'm not sure if I have a case for compensation for not being offered the tracker. I imagine I don't but if there was any chance of it I would pursue. Any thoughts anyone? Thanks.