Received document copies from the bank today, unfortunately the fixed rate conversion form that I signed in 2006 says that the fixed will revert to variable.
I take it that this form overrides my original mortgage t&cs and my tracker is long gone!!
I cannot remember receiving any advice or indication that I had lost the right to a tracker by opting for a variable by PTSB. Could I have a right to complain and be reverted onto the tracker, which I should have automatically defaulted onto had I not been duped into taking the variable option?
They wrote to me with the option of variable tracker, LTV variable, fixed etc. I ticked the wrong box LTV variable, but was given inadequate and misleading information in my opinion.