Ulster Bank-delay in sending out fixed rate repayment details

Hi all,

I have an investment mortgage, currently on IO repayments until Sept 2010 at a variable rate of 3.85% with Ulster Bank. I'm keen to fix this mortgage before rates start going up. I've been quoted the following rates (over the phone) to fix:
4.4% 2yr
4.5% 3yr
5.1% 5yr

1. Am I right to fix?

2. Any ideas on which rate I should go for?

3. These rates were quoted to me over the phone on 20th Jan. Since then and following repeated calls to get them to send me these rates in writing, still no luck.... Anyone else having problems trying to fix their mortgages with Ulster Bank at present??

All advice gratefully received!

Only fix if you want to be sure of the amount of repayments - don't fix to try and beat the bank, that's the wrong reason to do it.

ive spoken to a few people and they are having the same problem.
i have been told that it is due to the people in the bank having the wrong paper, or format of the text on the paper.
so they are delayed.

Thanks for responses, any other opinions anyone?