银行的错，额的错？

昨天看了一个银行的monthly statement，突然发现这个mortgage本应该和prime rate一起波动的，实际上没有波动。一般是总数不变，但利息随着prime变，本金的payment也变。

因为这个是一年半前签的文件，当时prime rate 是6%，现在prime变4%了，银行还在charge 6%！

赶紧给banker发了一个Email，内容如下：

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，他们确实犯了错误：

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。

额有没有错？有，应该早发现，属于监督不力！