I have a very cheap tracker rate which i took out with First Active in early 2005.All was going well until someone in my local first active branch rang me in 2007 and told me me i would be better off going onto an fixed rate.I know ignorance is no excuse but in an 60 second phone call i aggreed to go on an 5 year fixed rate . I completed a letter of authority/acknowledgment form and an letter that said i had the option to transfer the mortgage to the prevailing tracker mortgage at the time of transfer when the fixed rate ends.My fixed rate ended 2 months ago and ulster bank have put me on an 4.9% variable rate with no Possibility of an return to my tracker. i got my final response letter today which says that the letter i signed was an tracker removal letter and ulsterbank staff members are under no obligation to provide advice when issuing these letters. In regards about someone ringing me ,they said they reviewed the notes on my account and are unable to locate an record of my conversation or who i spoke to and are unable to comment on this alleged incident. Am i wasting my time going to the Ombudsman ?