Ulster Ulster Bank refused tracker after fixed rate period -Ombudsman gave it back to me

peteb

Frequent Poster
Messages
1,630
Hi,

Just came across this thread and I had a UB Tracker, fixed for 3 years in 2007 and went on standard variable rate since. I did ask about going back on Tracker but was told no. But I have just found my letter of offer and it has the 'General condition 2...' Phrase.

Bfreckles - I'm a bit concerned at your 6 year limit comment. Is this correct? Could you post a bit more info please?

Anyone who managed to get their's reinstated without having to go to the FSO would you mind posting the phrasing of your letter below please :)

Can I ask did you go direct to the mortgage section or through your bank managers?

I do have an email from 2011 where I asked my bank manager about going back on my track and he said, 'In relation to going back to a tracker mortgage after coming of a fixed rate, this is not the norm and that certain accounts have this option but it is a very small fraction of our mortgage book.'

Just wondering who would be best to approach first, the mortgage section or my bank manager?

Thanks
Just to add the wording of the letter will have nothing to do with UB's decision. I wrote both my letter and my friends letter, both were identical and she got hers back without FSO involvement while I didint
 

dfinglas2016

Registered User
Messages
1
Just to add the wording of the letter will have nothing to do with UB's decision. I wrote both my letter and my friends letter, both were identical and she got hers back without FSO involvement while I didint
Hi Peteb

I'm going through the same thing by any chance would you have a copy of the letter you gave the bank and the ombudsman I've been looking on the internet the last while and came across this its brilliant that you got your tracker back I don't really know how to go about the whole thing if you could send it on that would be great we can't let the banks get away with this
 

Whatnot

Registered User
Messages
25
Hi Peteb

I'm going through the same thing by any chance would you have a copy of the letter you gave the bank and the ombudsman I've been looking on the internet the last while and came across this its brilliant that you got your tracker back I don't really know how to go about the whole thing if you could send it on that would be great we can't let the banks get away with this

Hi there I just came across this and find myself in the same boat any chance I could get a copy of the letter, I am going to put it up to them and see how I get on. Are people having much success with this I wonder
 

peteb

Frequent Poster
Messages
1,630
Its the only one document I can't actually find. But its really just a simple letter to start the process outlining your position without bringing emotion and unreasonableness on the part of the bank into it.. Because they are never going to acknowledge from the start that they are wrong. Despite their ongoing CB review!
 

Lightening

Frequent Poster
Messages
319
@peteb "He goes onto he found the dual terminology used by the bank confusing and quotes a number of paragraphs that I can include if necessary but in essence he then states" (Nov 2013)

I wonder could you please elaborate on the "dual terminology" used by the bank.

Happy for you you got your tracker back in 2013 well done ! Appreciate your help
 

peteb

Frequent Poster
Messages
1,630
@peteb "He goes onto he found the dual terminology used by the bank confusing and quotes a number of paragraphs that I can include if necessary but in essence he then states" (Nov 2013)

I wonder could you please elaborate on the "dual terminology" used by the bank.

Happy for you you got your tracker back in 2013 well done ! Appreciate your help

I havent got the letter to hand but it was the use of the the words they described the rate as "home loan rate".
 

KamranC

New Member
Messages
1
@peteb Many thanks for your post. We are in a similar position and only last week received a final response. We will now most probably go to the ombudsman. It has been a real struggle. Would you be kind enough to share the letter you sent to the Ombudsman with us that gave you success.

Best. I am happy for you to send this to me privately if that helps.

Thanks in advance.
Kamran
 

Brendan Burgess

Founder
Messages
37,457
Kamran

This is an oldish thread. A lot of these cases were settled as part of the industry wide tracker review.

I suggest you start a new thread setting out the details of your case.

Brendan
 
Top