Confused83
Registered User
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- 15
Hi
I was looking for some advice on PTSB mortgage.
Taken out 2004 tracker option was in the broker list of available rates in our broker pack. Tick next to one year fixed.
We got our file via a GDPR request, I specifically asked for the original loan offer, contract, the offer letter at the end of the first year fixed, the paper work sent back the letter issued with the offer for the end of the second fixed term
The file is all mixed up but from what I can see the contract states variable at the end of first year fixed I think?
We have the signed returned option form at the end of year 1. Tracker is listed as an option. Second fixed term was picked 5 years, but no covering letter with it it to state what would happen at end of that fixed term.
The letter with the options letter in 2011 says PTSB will contact with available options at end of fixed period if we opted to fix again but no tracker offered.
Am I correct in saying
A) That tracker wasn't chosen in 2005 that they were under no obligation to offer at end of second fix at end of 2010?
B) its unlikely the letter in 2005 would have any mention of tracker as default after end of 2nd fixed rate term?
It took alot to get the file before it went to Pepper and I dont know if it's worth trying to get the covering letter.
Thanks
I was looking for some advice on PTSB mortgage.
Taken out 2004 tracker option was in the broker list of available rates in our broker pack. Tick next to one year fixed.
We got our file via a GDPR request, I specifically asked for the original loan offer, contract, the offer letter at the end of the first year fixed, the paper work sent back the letter issued with the offer for the end of the second fixed term
The file is all mixed up but from what I can see the contract states variable at the end of first year fixed I think?
We have the signed returned option form at the end of year 1. Tracker is listed as an option. Second fixed term was picked 5 years, but no covering letter with it it to state what would happen at end of that fixed term.
The letter with the options letter in 2011 says PTSB will contact with available options at end of fixed period if we opted to fix again but no tracker offered.
Am I correct in saying
A) That tracker wasn't chosen in 2005 that they were under no obligation to offer at end of second fix at end of 2010?
B) its unlikely the letter in 2005 would have any mention of tracker as default after end of 2nd fixed rate term?
It took alot to get the file before it went to Pepper and I dont know if it's worth trying to get the covering letter.
Thanks