In 2009 they were offering tracker margins between 3% and 4% - i was offered 3.25% and decided to choose SVR at the time.Nice 1 matan mine doesnt state the rate it just says tracker rate then prevailing so that will probably be another fight ill have to go through with them.
Will be interesting to see what rates those who are returned to tracker are put on where their loan offer did not mention the margin. It is clear cut for those like matan who had margin of 1% or similar quoted. But bpw what will you do if they offer 3.25%
fyi I have an existing case with FSO on why the margin of 3.25% was so high in 2009 and did not reflect the rate of margin back in 2006. Although not specified we have proof it was low and our loan offer says the tracker margin will never change over the course of the loan.