HSBC mortgage problems

Hi all, looking for a bit of guidance...

Last year I drew down on a remortgage with HSBC on a really favourable two part discount rate. I was a premier customer at the time so qualified for the good deal. I must add that part of the mortgage was on a ridiculously low .79% above base which was ported from my previous mortgage.

HSBC have since changed the qualification criteria for Premier and I don't now meet them. In fact, they changed them around the time I took out the mortgage but we managed to draw down in time. For the past six months the bank has said they will withdraw my premier status unless I take out some form of protection policy such as critical illness or income protection. I don't want or need thesebas have them with another provider.

Now, I'm not concerned about losing premier status but am concerned that they could put me on a different rate as the rate I drew down on was for premier customers even though I qualified at the time. My questions are :

1. Can they put me on a different rate if I'm no longer a premier customer despite the fact I've drawn down the mortgage?

2. Can they downgrade my account because I refuse to take out a product? I didn't think they were allowed to do so.

Any advice/ insight much appreciated!