premier2017
Registered User
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- 3
Hi All,
First time poster grateful for any advice.
I took out a tracker mortgage in 2005. In September 2006 I split the mortgage into two: (i). one half remained on the tracker and (ii). the second portion went onto a fixed rate for three years.
In September 2009 when my fixed rate expired I attempted to go back on my tracker rate on my second mortgage but was told I couldn't as they (AIB) had ceased trackers (new ones) and this would not be possible. I then went onto a standard variable rate for this portion of the mortgage. Back in 2006 when I split the mortgage and got the fixed rate, I was under the impression I could revert to a tracker rate when the time elapsed (as I still had an existing tracker). Unfortunately I don't think I ever got this in writing I can't find anything in my records (maybe I lost it though).
Do you think I have a genuine case for redress? Am I wasting my time going any further with this? If I might have a case what are my first steps?
Regards,
B.
First time poster grateful for any advice.
I took out a tracker mortgage in 2005. In September 2006 I split the mortgage into two: (i). one half remained on the tracker and (ii). the second portion went onto a fixed rate for three years.
In September 2009 when my fixed rate expired I attempted to go back on my tracker rate on my second mortgage but was told I couldn't as they (AIB) had ceased trackers (new ones) and this would not be possible. I then went onto a standard variable rate for this portion of the mortgage. Back in 2006 when I split the mortgage and got the fixed rate, I was under the impression I could revert to a tracker rate when the time elapsed (as I still had an existing tracker). Unfortunately I don't think I ever got this in writing I can't find anything in my records (maybe I lost it though).
Do you think I have a genuine case for redress? Am I wasting my time going any further with this? If I might have a case what are my first steps?
Regards,
B.