Loan contract,tracker offer?

Hi,

I’m due to finish my 2nd term of a two year fixed rate this month. Purchased the house in 2006. When my 1st term finished I fixed again for two years in 2008 (which i regret).

I was offered a tracker at the time of 1.5%+ ecb (which i should of taken). When i looked up my contact, it stated that at the end of the fixed rate period i would revert to a standard variable rate. Yet, they offered a tracker!

Now, I rang them about the possibility of being offered a tracker this time. They could not see any info in my contract so they rang me back. I expected the answer would be NO. PTSB informed me that i would not be offered a tracker again.

My question, should i have my contract inspected by an advisor/solicitor before I accept?

Did you sign a contract when you entered the second fixed rate?

No, I had to send back the letter of offer with the fixed rate. At the time, they wanted me to take a higher fixed rate but i had a letter stating a lower two year fixed rate.

I sent back in the original letter and got the two year fixed. I never actually "signed" a contract.