Hi JL77, aidanob,
I came across this forum recently & am on the same boat, switched from tracker to 3yr fixed in early 2007 and am on SVR since the completion of fixed term in early 2010.
The only loan documents I received from EBS when we took the mortgage were, copy of the loan offer and Loan cheque issue letter with booklets on mortgage conditions, that's it. I didn't even know there was a clause in the tracker application form that said once you move to a different rate you can't move back. we went through a broker and the broker got us to sign the loan application forms, and even during that time there was no mention or advise provided on this clause, all we were told was the applications will be made for tracker, that's it. We didn't even have copies of this, so we never knew the consequences of moving from tracker to a different rate. This wasn't made clear either in the Loan Offer letter or any other communication from the bank once the mortgage was approved.
So, just wanted to see if either of you pursued any other avenues in this regard? I guess, instead of making individual complaints, if we approach this as a group, this might have an impact. If you prefer, we can get in touch directly through emails and discuss on this? I still believe, EBS didn't provide enough information while we were making the switch to fixed rates to warn us on the implications.
RajR