Hi Brendan,
The initial correspondence was over email and phone in April 2008, when AIB agreed in principal to sanction the prime rate loan.
I have attached the relevant part of the email. I will need to contact my solicitor to see if they have any further information
on the loan.
The house was completed by Oct 08, and on the 24th Oct the Letter of Offer was issued for 'a supplemental mortgage loan'
with a variable rate. I asked about the tracker and was verbally informed that a tracker was at that point no longer available,
and naively I just accepted that, grateful to have a home.
The Letter of Offer was signed in Dec 08, and the 'new' mortgage, which replaced the loan commenced on the 24/01/09. I
have been paying this mortgage up to 2019, when I remortgaged with a different bank.
At one stage I fell into arrears, and more recently I asked for a payment break for 6 months due to a serious cancer diagnosis
I received. They rejected the payment break, which was a significant source of stress.