Also they said they did not offer it to equity release loans - is this strange/ true ??
I think what Cilroife is asking is ,
Was a tracker available to them but not offered ?
Was a Tracker rate option included in their options letter and overlooked ?
You could send in a request for your data which should include everything held on record with your lender either in hard copy or digital format it'll cost 6.35 ( I think ) and they get 40 days to comply. when you get it you'll have to go through it and find the rate options letter etc . If you find that you were not offered a tracker rate ,that you should have been entitled to, you could make a complaint to your lenders complaints dept and consider contacting the FSOB and work from there.
I think what Cilroife is asking is ,
Was a tracker available to them but not offered ?
Was a Tracker rate option included in their options letter and overlooked ?
You could send in a request for your data which should include everything held on record with your lender either in hard copy or digital format it'll cost 6.35 ( I think ) and they get 40 days to comply. when you get it you'll have to go through it and find the rate options letter etc . If you find that you were not offered a tracker rate ,that you should have been entitled to, you could make a complaint to your lenders complaints dept and consider contacting the FSOB and work from there.
No they can't find details of our origional mortgage !! Only the 2nd one. The reason they gave is the branch is now closed ! To be honest I haven't been well for a few months and haven't done any more about it. But I think I will now in the new yr.Any joy chasing up your data ?
In 2004 we took out Ptsb mortgage to build our home. We had a variable rate
In 2005 need some extra money to finish the house. This was done as a equity release loan - so old mortgage was paid off by the new mortgage.
Was there a rate options letter for the new loan after 2005 ?
Was a tracker rate included ? if not , why not
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