Have I been mis-sold a mortgage? Help!!!

mcc100

pablohappah wrote: »

As I'm sure you're aware, interest rates were shooting up in 2009 so I decided to re-mortgage early as I was afraid that rates would be too high come Dec 2009.

http://www.bankofengland.co.uk/mfsd/iadb/Repo.asp

What made you think that interest rates were shooting up in 2009?

The last time they actually rose was in July 2007.

dunstonh

I do actually have evidence in writing from halifax after they declined the offer, saying that they did offer it, but then revoked it.

I dont see that as evidence as its not in your contract. It just acts as confirmation that they had it as a discretionary option which was then removed. That doesnt make it a contractual event they have to honour.

But from what I'm understanding, the advisor could tell me anything and it doesnt stand at all.... ridiculous

Did you see an adviser or do you assume the person you saw was an adviser? You said you made the decision to cut out the middle man. That middle man is the independent adviser. As already mentioned, many of the banks dont give advice. They supply information only. So, you cant complain about advice if you chose to cut out the adviser.

Also, some things will be based on rules and options that are available "today" but may not be available tomorrow. These options do not appear in the contract or key features illustration. It can be risky to assume things like that will always be in place.