Hi folks, quick question. I re-fixed my UB mortgage in Nov @ 4% as Variable was 4.5% at the time. I rang up UB in mid Feb to see if I would qualify for a rate reduction given that they reduced their variable rate. Guy on phone told me that I was actually on a discounted variable rate and I would be receiving a discount of .2 to 3.8% and would be receiving notification of same in the post. Rang them up yesterday and turns out it is a fixed rate and guy on phone was wrong and they had my signed form indicating a fixed rate. Do I have any grounds for making a complaint and trying to get the discounted variable rate? Many thanks.