Laurloll20
Registered User
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- 4
Hi thanks for the reply ... it's says it was a discounted variable rate of 3.13% saving of 0.4% for the first 24 months. Then the contract outlines I will pay 50 more on the repayment for the remainder of the mortgage of 336 months.
After the first 24 months I received a letter only outlining fixed rates of 2 . 3. 5. And 10 years that I must choose from no other options. I fixed at 2 years then received the same letter at the end of that term no option only fixed rates again.
I also only received their "standard mortgage. General terms and conditions . Effective 18 Feb 2004" it with the original mortgage loan agreement. The loan agreement itself was typed and specific to me not a general agreement. No mention of tracker anywhere.
I must point out I was clueless when I took out the mortgage as I was 21 and no help or guidance from anyone
After the first 24 months I received a letter only outlining fixed rates of 2 . 3. 5. And 10 years that I must choose from no other options. I fixed at 2 years then received the same letter at the end of that term no option only fixed rates again.
I also only received their "standard mortgage. General terms and conditions . Effective 18 Feb 2004" it with the original mortgage loan agreement. The loan agreement itself was typed and specific to me not a general agreement. No mention of tracker anywhere.
I must point out I was clueless when I took out the mortgage as I was 21 and no help or guidance from anyone
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