Just wondering if anyone has any thoughts on the above.
Another question in relation to this. If we decide to take the option of the 3 year fixed backdated, which means it will revert back to variable in less than 2 years, does this mean we do not have the option of taking the matter to the financial ombudsman. Would accepting these terms now be seen as a resolving of the matter. We are fearful of not fixing soon and know that the Ombudsman could take months to look at it.