Launched a complaint

Muscle750

I recently converted from a a and L mortgage to a Santandar one when i did i was told i would get a "free" month due to A and L taking theirs in advance and santandar taking theirs in arrears so i paid A and L their last payment end of June so ive paid them to end of July then i was of the opinion Santandar would take their first payment beginning of Sept for the month of August.
However after some phone calls it seems whe n the mortgage was transfered on the 11th of July the extra money i had paid A and L was took off the balance so now Santandar are taking their first payment at beginning of August for the period of 11th to end of July.
This has really annoyed me as i was told by two independant people at Santandar that i would get a "free" month. We were going away for our wedding anniversary with our little bit of extra money its been a hard enough year as it is. I was asked if i wanted to make a official complaint which i have done and in all fairness Santandar agreed that A and L were at fault and would be investigated i said that all phone calls are recorded so they could clarify what was said by their employees.
Ok i realise that a few hundred quid is off my bottom line but i might be looking at loosing my deposit on our break as now we cant really afford to go.
My wife is pretty upset ive only fixed mine for a year and i shall seriously consider going elsewhere after. We havent had a holiday in three years due to work commitments etc and we were both looking forward to our break
Not the end of the world i know but im bloody fuming with A and L
Ive been told a full investigation will take place and they will be in touch cant see me getting anywhere but im just annoyed of what they did without even warning me

Thrugelmir

Why another thread on the same topic?

Muscle750

Because if you read the first one i had no explaination now i have contacted them i have

roonaldo

There is no such thing as a "free month", it doesnt exist. Why on earth were you going to get a free month?

At the end of the day (what ever way they charge it) you are always going to pay daily interest on mortgage A until it stops, when mortgage B starts daily interest is added from day 1 and in the near future a payment is due.

There is no free month as there is always going to be a payment due for when the mortgage has been in place.

The A&L mortgage finished on 11 July instead of the end of the July, the redemption of the account would take this into account and when the mortgage was transfered it would have been lower than transfering it at end of month.

You are not worse off.