We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
any advise welcomed
happyapples
Posts: 25 Forumite
Hi All,
Am posting for first time looking for some help.
We needed to remortgage at the begining of this year and spoke to a broker who offered a fixed product - 5.89% he got an on line agreement in principle with Halifax done on that basis this was beginning of Dec 07.
I rang back mid December and said I would take the risk and go with a tracker and he said he would get changed to a tracker +14%. When the mortgage completed in Jan 08 I realised that we had not had the product changed. I spoke to the broker who said he would speak to H.fax as he had sent a fax which he had copy of. I chased him up and He said there was nothing he could do as H.Fax were not taking any resposibilty.
I have since spoken to H.fax and in May they wrote back saying the did not feel they were to blame even though i sent them copies of the fax the broker had sent and a transmission report confirming fax was sent o.k. I have since been on Maternity leave and have been unable to follow up further. In light of the recent rate drop and the fact I am not getting any money while on Mat leave can anyone advise if we have any hope of sorting this situation, perhaps the FSA.
We have to date paid £680 more than we would have on the correct rate and going forward our mothly payments will be £156.00 more.
If anyone has any advice it would be much appreciated.
Many Thanks.
Am posting for first time looking for some help.
We needed to remortgage at the begining of this year and spoke to a broker who offered a fixed product - 5.89% he got an on line agreement in principle with Halifax done on that basis this was beginning of Dec 07.
I rang back mid December and said I would take the risk and go with a tracker and he said he would get changed to a tracker +14%. When the mortgage completed in Jan 08 I realised that we had not had the product changed. I spoke to the broker who said he would speak to H.fax as he had sent a fax which he had copy of. I chased him up and He said there was nothing he could do as H.Fax were not taking any resposibilty.
I have since spoken to H.fax and in May they wrote back saying the did not feel they were to blame even though i sent them copies of the fax the broker had sent and a transmission report confirming fax was sent o.k. I have since been on Maternity leave and have been unable to follow up further. In light of the recent rate drop and the fact I am not getting any money while on Mat leave can anyone advise if we have any hope of sorting this situation, perhaps the FSA.
We have to date paid £680 more than we would have on the correct rate and going forward our mothly payments will be £156.00 more.
If anyone has any advice it would be much appreciated.
Many Thanks.
0
Comments
-
Well you're not posting for the first time as you created a thread about this previously
http://forums.moneysavingexpert.com/showthread.html?t=12088730
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.5K Banking & Borrowing
- 254.1K Reduce Debt & Boost Income
- 455K Spending & Discounts
- 246.6K Work, Benefits & Business
- 602.9K Mortgages, Homes & Bills
- 178K Life & Family
- 260.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards