if i have an original letter of offer that states the rate will never be higher than 1.05% above ECB you would think that prevailing is 1.05% + whatever the ECB is at the time.
My comment Re: Stowe was that UB told me that i was outside the 6yr rule and more or less stonewalled be because of this.
FSO is reviewing my challenge but unsure as to how similar UB/FA cases have been dealt with.
In relation to transferring to a tracker rate post fixed rate I was never offered this option,only fixed or SVR. With what I know now I should have been clearly given this option as stated in the fixed rate agreement.
where it offers a selection of product options to the consumer, the product options contained in the selection represent the most suitable from the range available to the regulated entity.
Again clearly the most suitable option would be to transfer too the tracker rate. I should have been clearly advised of this option.
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