Young relative coming off a 3 year fixed rate (6 year old mortgage) got letter offering variable 2.75% at €200 p/m less than had been paying or the offer of re-fixing at between 1.25 & 2% higher depending on length of fix. The decision was made to stay variable for a while but before that was confirmed to building society another letter arrived saying mortgage was fixed at 3.99% for 3 years. The contact in the building society isn't making themselves available to discuss this and payment is due. Does she have to accept the fixed rate?