Halifax Mortgage Problem

Hi,

First post here and I am really hoping someone can help.

We have a mortgage with Halifax which is split into 2 parts:

Part 1 - 5 year fixed rate at 7%
Part 2 - Tracker at 1.8%

We took the mortgage out 4 years ago when we moved house, we took the tracker with us and topped it up with the 5 year fixed.

After 4 years the 5 year fixed rate is £300 less than the original figure. The tracker has gone down loads. Halifax telephone system told us this is correct and all payments go off the lower interest rate part first.

The documentation shows 60 payments of £500 off the higher rate and £600 off the tracker.

Can they be right saying none of the fixed rate has been reduced? They just keep saying "thats how the system used to work" and tough.

Any advice would be greatly appreciated!

Thanks
Mark