More on West Brom's utter BS

The need to take action against West Brom BS for adding 2 percent onto its BTL tracker mortgages gathers pace. The fear by many in the market is if West Brom BS can do it on their BTL mortgages then who else can do it, and why stop at BTL's?

The fear is if West Brom get away with it, who's to say other lenders won't give it a go and before we know it the breaking of rate agreements could be taken up by the broader residential mortgage market.

Mortgage broker Ray Boulger has voiced the concern that West Brom might set a dangerous precedent "If they are allowed to get away with this, some lenders may well be tempted to try to increase the tracker margin on residential rates as well."

Mr Boulger is amongst many in the industry who are encouraging customers to write to the FCA directly.

Even though BTL mortgages are not regulated, the lenders are, so the regulator might be able to force a back track on what can only be described as the manipulation of the contract small print.

It's time to fight back against West Brom's utter BS.

Information about the class action

Read more in the BBC

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