銀行的錯，額的錯？

昨天看了一個銀行的monthly statement，突然發現這個mortgage本應該和prime rate一起波動的，實際上沒有波動。一般是總數不變，但利息隨著prime變，本金的payment也變。

因為這個是一年半前簽的文件，當時prime rate 是6%，現在prime變4%了，銀行還在charge 6%！

趕緊給banker發了一個Email，內容如下：

Hi xxxx,
Ref: Account No. xxxxxxxxx

In reviewing the monthly statements, I found that the interest rate of the mortgage did not reflect the changes of the prime rate. Since the mortgage interest rate should fluctuate with the prime rate, the interest payment portion should have decreased substantially. Please review the monthly statements for at least the past year or to the beginning of the mortgage. I would like to discuss with you next week.

Thanks,
xxxxxxx

今天早晨收到banker回的email，他們確實犯了錯誤：

Hello xxxxx.

Hope things are going well. We have looked into this for you and will be making an interest adjustment from the originating date. The loan was keyed in as a fixed open mortgage and that is why their was no change in the rate when Prime changed. Thank you for bringing this to may attention and we apologize fore any inconvenience this has caused.

xxxxxxxxx
Sr. Commercial Account Manager

立此存照。

額有沒有錯？有，應該早發現，屬於監督不力！