@Monbretia
That makes more sense than:
I read the case as being First Active? In early 2008 they offered the same interest rates for PDH and BTL loans.
The difference was that BTL was interest only for up to 5 years. So, one could choose a BTL rate and pay interest only.
Since the rate was the same, it'd be difficult to show the bank did it to charge exorbitant rates.
But to only realise recently that you're paying recently?
It's an interesting case, but the facts need to be laid out clearly.