Hi Maggie
I have not seen the paperwork in any of these cases, but I believe that the issue is the wording on the contract was changed in March 2006. So it applies to those who took out mortgages before 2006. So if you took out a mortgage in February 2006 and fixed in Sept 2006, you will not be getting your tracker back.
Could you reproduce the exact words of Clause 3.2 for us.
And what paperwork, if any, did you complete, when switching to a fixed rate?
Brendan