pablohoney
Registered User
- Messages
- 27
Hi all , I don’t know if this is in the right place. Anyways I’ve had issues with a mortgage whereby my fathers a co borrower but not on deeds (initially was supposed to be a guarantor for 5 years but this was changed- currently in mediation with fspo). Anyways when going through all documentation with fine tooth comb I’ve discovered my father never signed the fixed rate form when we took the mortgage out (form is only signed by applicant 1 - applicant 2 is blank). I also chose to go for interest only for 3 years. This form again was only signed by one applicant (me) and the 2nd applicant space was left blank. This mortgage then reverted onto a variable after 3 years but nothing was signed as the agreement signed by me was that it would revert to variable at the end of term unless fixed again. Also my father never was notified of this as he wasn’t living at my address and never received anything to his address. Is there any way here where we could argue that father was never offered tracker rate. In fact he was never offered any rate . Any advice appreciated