Hi Brendan and MrsMoo,
I was meant to be on a tracker (was meant to roll to that after a few years fixed), but I am not - that is a long story (paperwork different to verbal discussions), I'm not going in to here.
To date, I had been happy with Halifax/BoSI as when there was an ecb rate drop (obviously going back a while!) they dropped their variable rate and it has not moved since. This is my concern as what is not clear is the approach Pepper/Eirimon/Barclays. If they take the approach of BoSI and leave the low rate that is there, then I am happy. In any of the correspondence with me, nothing has been mentioned about interest rates, but I assume they can do what they like? As my current rate is more than 1% less than the average rates being levied by Pepper and others, they, presumably, could increase the rate and I have no come back.
As regards going anywhere else, I wouldn't get the rate I am on and any new rate would likely be the same as what Pepper may charge. To make matters worse, if you can believe it, I am still in negative equity since 2007!
I guess I am stuck and just have to keep my fingers crossed and my head down!
MrsMoo, I would be interested to hear how you get on regarding the deeds of the house - that was something I had not considered.
Thanks