I feel completely deflated and vulnerable. In 04 we drew down a mortgage of 154k and never offered a tracker.At end of year 1 we fixed again for a 3 year fixed which I fixed on maturity in July 08 for 2 years on 5.7.
I was offered a tracker then currently 5.5 but as my mother was dying ar that time i wanted security in payments and foolishly fixed.
In 07 i topped up the mortgage for 128k and was never offered a tracker but was told the rate was only variable or fixed. I fixed for 2 years at 5.15.
I had heard that rates were better unfixed and foolishly requested to break out of fixed rates in both accounts to 80 percent Ltv variable rate. I got no letter then advising me.
In 2010 with rates escalating I requested alternatives only to find fixed rates between 5 and 6 percent.
I advised ptsb that I wasn't offered a tracker and they stated that I was in July 08 on my first mortgage and that Irequested to break out of fixed rates in 08.. This seemed to be the only option at the time. Have I any case to proceed?
I was offered a tracker then currently 5.5 but as my mother was dying ar that time i wanted security in payments and foolishly fixed.
In 07 i topped up the mortgage for 128k and was never offered a tracker but was told the rate was only variable or fixed. I fixed for 2 years at 5.15.
I had heard that rates were better unfixed and foolishly requested to break out of fixed rates in both accounts to 80 percent Ltv variable rate. I got no letter then advising me.
In 2010 with rates escalating I requested alternatives only to find fixed rates between 5 and 6 percent.
I advised ptsb that I wasn't offered a tracker and they stated that I was in July 08 on my first mortgage and that Irequested to break out of fixed rates in 08.. This seemed to be the only option at the time. Have I any case to proceed?
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