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That's why I have the diary note on file and also spoke to their customer complaints area and he gave the same advice, get written confo and diary note. Doesn't matter who I speak to, they advised me to ring their retention area. Apparently this bank has a process where their paperwork can only...

I have 10 yr IO loans and at the end I may choose to refi for another 10yr IO period. If I decide to go P&I then I will ask them to apply the same discount on my rate that I have on my other SVR loans. Same with when I come off my pre-paid imterest in advance period. The loan reverts to an IO...