So a long story short .....in mid 2008 in an ebs branch I was given 2 pages to fill out for a fixed mortgage application, these two pages where actually part of a much larger EBS Home Loan Application document. I had actually been asking for a tracker loan at the time but was told they were no longer available - they were actually still available until 2008. I went back to the ebs branch recently and one of my questions to the person working there - who was involved in my loan application back in 2008 was why was this 2 pages out of the application form all I was given - he simply said ' because thats all that was needed'. HAd I been given the full document they next page after the fixed loan pages in the application form would have been the tracker application form and upon filling this out ( had I been given it) would have meant i would have qualified for a tracker once the fixed rate expired withand the tracker rate would have been stated on the form. My questions is - is the behaviour of these employees of ebs - is this criminal behaviour?