Same happened to us. Initially rolled over to current account. We changed to fix term. On expiry automatically rolled over to fixed term. Would have not consented to such as we would shop around first and then decide at our own convenience (young family etc). Could only access 30%. Explained situation to branch manager, buying a home, who was very nice and customer focused. Head office refused release of funds. We were furious, it's our money not theirs. No problem paying a small penalty for early exit, but refusing to return our money for an exceptional circumstance is wrong. Wrote a letter of complaint to ebs and will also notify the financial ombudsman. A customer for 20 years, will never bank with them again.