Mortgage Confusion Tracker /svr

[tali1]

Much as i try i can't fathom my mortgage
It is Halifax tracker which tracks at 2.7% above BOI base rate - so far so good @3.24%
But my statements also feature a SVR @3.5% -I assumed this was the rate when my term ends - but it went up to 3.99% - and my payments increased during term
So it seems i am paying a tracker AND a svr rate?
My policy only refer to increase/decrease on the Tracker - nothing about SVRs - and i have googled and there is no mention of SVR on trackers
Somewhere i have misread or misintreprated something -so before i phone Halifax some clarification would be apprecaited

[factor-fiction]

Unless someone here has experienced the same issue and can advise, I think the best place to ask is Halifax. They should be able to explain why your payments have gone up. All I can think of is that only part of your mortgage is at the tracker rate and the rest is at SVR, but that doesn't seem likely. Are you sure the tracker period hasn't expired and you are back on SVR?

[factor-fiction]

Is this through Bank Of ireland? There was something on Money Box this week

[factor-fiction]

"MORTGAGES NOT ON TRACK
Bank of Ireland has more than doubled the tracker mortgage rate paid by thousands of its customers, despite the fact that the rate is supposed to track Bank Rate which has not changed for four years. But there is nothing customers can do except make tracks for another lender."

http://www.bbc.co.uk/programmes/b01qzj1m

[factor-fiction]

This may be of interest, regarding Bank of Ireland trackers.
http://uk.finance.yahoo.com/news/trackers-don%E2%80%99t-track-and-fixes-move--the-truth-about-mortgage-deals-172939358.html
However yours was with Halifax so I'm not sure if your case is related.

[tali1]

Halifax confirmed by phone that it is strict tracker - i am awaiting a letter as to why a SVR rate seems to have been applied - they mentioned possibility of a "b loan protection" ??? or something like that- i def have no protection on that mortgage showing in docs