We took out a tracker in 2006 and fixed 6 months into the mortgage for two years. In 2008 we received a letter stating that since we hadn't contacted the bank our mortgage would be defaulting to a SVR. The payments jumped substantially as a result. We met UB in one of the local branches and asked about the high rate, about our tracker and inquired about a 6 month break. We were told trackers were off the table.
In terms of the appeal, we broke into specific financial and non financial losses.
All our credit card statements and P60s outlining the pressure the overcharge was having on family life.
Specific details around shortfalls in pensions as we absorbed large overcharge monthly.
Loss of earnings due to stress leave.
Lack of education fund for children.
Birth certs of two children with 8yr gap as we couldn't afford 2nd childcare bill.
Copies of independent financial advice etc
Advice would be to be realistic about losses occurred and provide specific detail with every sub section.