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Until 28th May 2010, the products previously sold to A&L customers were offered on the basis that, at the end of the introductory rate, the mortgage reverted to A&L's SVR currently 4.
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However, when we include credit fees in the calculation for the percentage it gives us the APR.
We were not notified of the change and the payee information did not change so it was not obvious to us that there was a change.
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