In any such case there was an additional written communication that could be relied on - the infamous flyer - which gave a specific margin that would be usedYes Brendan but KBC have returned trackers to people with no mention of trackers in their contracts . They have returned trackers where the contract said fixed rate to roll to "prevailing rate" . Therefore the prevailing rate must have been a tracker rate ?
I don't think there has been any case of a non flyer period customer that did not have % above refi rate in the special conditions of their contract being given a tracker .
I used the "revert" and rate wording arguments in my ombudsman appeal in 2012 and both were resoundingly rejected
I'll try and dig it out and upload it