getting back to tracker after fixed term
I took out a tracker mortgage with Ulster bank in 2004. Fixed it for 5 years in 2007. When they sent me out my new terms there was no sign of a tracker being offered. When I phoned them up, I was told I was not entitled to a tracker rate because it was no longer being offered. So I wrote letters to the complaints department highlighting that when the fixed rate was being offered, it stated that at the end of the term, I would revert to the original offer. Since the original offer was a tracker they had to offer it to me. After 3 months of letters going over and back, they offered me the tracker again as a gesture of "good will". My mortgage is now €300 cheaper a month.
My advice...put everything in writing. You are entitled to revert to the tracker rate. Good luck!