my original post still apllies (despite you declaring it wrong)
When you sign up for a mortgage, the discount rate and the "go to" rate are specified in the loan offer as required under the Consumer Credit Act 1995.
Also, there is no penalty for paying off a tracker/variable loan early - also specified by law.
My problem with your post is:
a) it is misleading and suggests a scenario that has no basis in law
b) you presented it as fact, stating you had it in writing from the lender, now it transpires that you were "told" this information - bit of a difference
3) you categorically stated that my post was wrong without presenting any verifiable evidence
4) when presented with the lenders own information on the subject, you still seem to question it
I would have expected better from a "frequent poster" - it tends to suggest that you are speaking with authority on the issue