Hi, I would love some advice on,
When I first took out my mortgage it was a fixed rate mortgage ,I then switched to a tracker,,we were then advised to come off the tracker,by the broker to fix the rate,which we did for 5 years..having finished the 5 years we were put back on a very expensive variable.
I asked for the original contract as per the posts here on AAM.
Looking at the contract that PTSB sent to me,it says,"this document does not constitute a legally binding offer"..and although it is also the original contract ie year 2003 ,the one I think I need is the one where I had come off a tracker and fixed ie year 2006.
Sorry if this doesn't make sense,I suppose what I really would need to know is
Should I have been offered my tracker back?
Should I have been sent the contract where I came off the tracker and onto a fixed rate,so I could see what my options were,when it ended?
When posters state "original contract" ,is it always the case that it reverts to the original contract ,when you first took out the loan or can/could it be the last one I signed?
Last thing is, we had a tracker but were advised by broker to break it and go on a fixed rate,should we have ensured we could get the tracker back?
When I first took out my mortgage it was a fixed rate mortgage ,I then switched to a tracker,,we were then advised to come off the tracker,by the broker to fix the rate,which we did for 5 years..having finished the 5 years we were put back on a very expensive variable.
I asked for the original contract as per the posts here on AAM.
Looking at the contract that PTSB sent to me,it says,"this document does not constitute a legally binding offer"..and although it is also the original contract ie year 2003 ,the one I think I need is the one where I had come off a tracker and fixed ie year 2006.
Sorry if this doesn't make sense,I suppose what I really would need to know is
Should I have been offered my tracker back?
Should I have been sent the contract where I came off the tracker and onto a fixed rate,so I could see what my options were,when it ended?
When posters state "original contract" ,is it always the case that it reverts to the original contract ,when you first took out the loan or can/could it be the last one I signed?
Last thing is, we had a tracker but were advised by broker to break it and go on a fixed rate,should we have ensured we could get the tracker back?
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