There were many more issues I wanted to discuss
- Where there was a deliberate attempt to take people off their trackers, these people should get them back irrespective of the contractual position
Why?
I really don't get this argument. If people gave up their tracker either by omission, ignorance or confusion, I don't see why they should get them back. Why isn't everyone entitled to a tracker in that case?
Lets not forget that 99% of people on trackers are on them out of pure dumb luck - it was the main mortgage product in the market at the time they took out a mortgage.
I don't understand why contract law applies to a lender, but not to a borrower.