chocolatecake
Registered User
- Messages
- 17
Brief summary of my situation:
Mortgage 1: drawn in 2002 on a variable rate
Mortgage 2( top-up): drawn in 2004 on variable rate
Mortgage 3 (top-up): drawn in 2006 on tracker rate
The three mortgages were amalgamated into one a/c and one repayment in 2006 on a 3year fixed rate but no new documents signed in solicitors - just a letter via the bank requesting amalgamation.
In 2009 refixed again for 3 years. Was not offered tracker at this point.
In 2012 and 2013 fixed for one year and have remained on variable since 2014.
However, in 2014 received a letter from aib stating i should have been offered tracker in 2009 and they are now offering tracker plus margin of 4.95 percent.
Aib refuse to send me the general conditions attached to my mortgages upon signature. They have sent me letters of offer without general conditions.
Any advice on my next step? Do i have any chance of regaining my tracker?
Mortgage 1: drawn in 2002 on a variable rate
Mortgage 2( top-up): drawn in 2004 on variable rate
Mortgage 3 (top-up): drawn in 2006 on tracker rate
The three mortgages were amalgamated into one a/c and one repayment in 2006 on a 3year fixed rate but no new documents signed in solicitors - just a letter via the bank requesting amalgamation.
In 2009 refixed again for 3 years. Was not offered tracker at this point.
In 2012 and 2013 fixed for one year and have remained on variable since 2014.
However, in 2014 received a letter from aib stating i should have been offered tracker in 2009 and they are now offering tracker plus margin of 4.95 percent.
Aib refuse to send me the general conditions attached to my mortgages upon signature. They have sent me letters of offer without general conditions.
Any advice on my next step? Do i have any chance of regaining my tracker?