Here is the format of a letter used by a chum to Abbey National to complain about the mortgage rate scam. This is copied from the which.com site;(posted 8068 days ago)
To: Customers Relations Manager Dear Sir/madam
Mortgage Account Number.................
Following the recent decision by the Financial Ombudsman on HSBC’s introduction of a dual standard variable rate, I believe that Abbey National has also breached the terms of our mortgage contract. When we took out the mortgage, we were led to believe, and reasonably expected, that the standard variable rate applied to our mortgage would remain the same as the standard variable rate applied to any other Abbey National mortgage. We would like you to reimburse us for the extra interest we have paid since the introduction of the lower standard variable rate and link our mortgage, free-of-charge, to the lower standard variable rate with immediate effect, and backdated to the date that Abbey National adopted a dual standard variable rate. In the event that you are unable to respond to this request, we require you to issue a deadlock letter so that we can take our complaint to the Financial Ombudsman. Yours sincerely,