We took out a mortgage in 2003 and I have received copy of my file from ptsb. There are no documents enclosed from 2005 to 2008 ( which is the time they say we opted for fixed rate instead of tracker ).We were on a variable rate before fixing .They say they have given me a copy of everything on my file but there is no correspondence saying we were offered different rates for this time. Is there any point chasing this up ? Is there any point looking into this as this loan was paid off in 2008. We took out an equity release loan in 2008 not knowing we were on a tracker on our previous mortgage as it was always called a variable loan and the first I knew about us being on a tracker was when I rang up about our mortgage documents after hearing about the tracker scandal on tv.