This doesn't make any sense.
If you had different terms and conditions, you should not have received the €1,615.
Someone has made an error, and it's more likely to be the person on the phone rather than two years ago.
There is no need to do anything now. If you don't redress by the end of August, then you need to investigate further.
Do you still have the letter you got with the €1,615?
Brendan
I found the letter, it seems pretty un-ambiguous to me, 2nd para opens...
"The terms and conditions of your mortgage state that at the end of a fixed rate period you have the option to choose from the then prevailing fixed, variable or tracker interest rates."
@Nanoc80 @Bw1980 - do you have the 1615 letter?
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