I've a mortgage with ebs and was always on variable rate..I rang a number of years ago when the loan to value ratio was high and advised that I was on a tracker already.i never dwelled on the matter and I'm paying the full variable rate since.Do I have any course of action.
the loan was taken out in 2000 in Irish punt..think ecb came in some time after euri change over..don't see anything in contract..my main issue is that I rang when the loan to value ratio was high before the downturn and I was told that I was already on a tracker mortgage but this was not the case..it's probably a regulatory issue more than anything else..provision of wrong information by ebs. thanks all same.