I got a phone call from Halifax in January to ask if I wanted to meet their mortgage advisor to review my mortgage. I agreed to this as I had decided to ask for a 2 month mortgage holiday to help fund a new bathroom which I desperately needed (my mum bought me the suit for a 50th gift so this was for labour and fittings etc).
When I got there the Halifax trained and very experienced advisor looked at my account and said I had overpaid £1011 on my mortgage (this was a payment from Halifax paid the year before due to a mistake on their part). She advised me not to take the break but to cancel the next months mortgage payment and then pay part the following month ie to not pay £1000 in total; this would mean I wasnt in arrears due to the overpayment and would give me the ££ for the bathroom.
Now I took her advice; SHE cancelled the February payment and I went in and paid cash for part of the March payment on 28th February; all good I thought.
While I was with her she advised me to take a further advance on my mortgage and pay off my credit card balance, I did this-meaning I cant take a mortgage holiday for a further 6 months.
Last Thursday I get a letter from Halifax saying I am £1000 in arrears and when I rang and explained they said she was wrong to tell me I had any credit in my account. The guy I spoke to talked to their complaints people and offered me £100 by way of compensation; I refused as I was horrified by all this (and to be honest he said even he thought that was a joke offer as they were totally to blame for this situation)-I have NEVER EVER in almost 30 years been in mortgage arrears. They were supposed to ring me in the last few days and havent; I am going to ring tomorrow what do people think I should be entitled to here?? It all seems so appalling on their part ???
When I got there the Halifax trained and very experienced advisor looked at my account and said I had overpaid £1011 on my mortgage (this was a payment from Halifax paid the year before due to a mistake on their part). She advised me not to take the break but to cancel the next months mortgage payment and then pay part the following month ie to not pay £1000 in total; this would mean I wasnt in arrears due to the overpayment and would give me the ££ for the bathroom.
Now I took her advice; SHE cancelled the February payment and I went in and paid cash for part of the March payment on 28th February; all good I thought.
While I was with her she advised me to take a further advance on my mortgage and pay off my credit card balance, I did this-meaning I cant take a mortgage holiday for a further 6 months.
Last Thursday I get a letter from Halifax saying I am £1000 in arrears and when I rang and explained they said she was wrong to tell me I had any credit in my account. The guy I spoke to talked to their complaints people and offered me £100 by way of compensation; I refused as I was horrified by all this (and to be honest he said even he thought that was a joke offer as they were totally to blame for this situation)-I have NEVER EVER in almost 30 years been in mortgage arrears. They were supposed to ring me in the last few days and havent; I am going to ring tomorrow what do people think I should be entitled to here?? It all seems so appalling on their part ???