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Issues switching to new deal on Halifax mortgage
bambi1980_2
Posts: 94 Forumite
Dear all, please can you advise whether you think I have a case to take this further.
On 22nd May 2014 I applied online to switch my mortgage from the SVR to a new two year fixed rate. I have been with Halifax for 7 years now, 5 of which I have stayed on SVR. I have no arrears and everything is perfect with my account. The deal I was offered was 2.84% for two years. I applied and the paperwork; KFI and mortgage agreement were sent by email later in the day. I promptly printed off the documents and returned the agreement signed and dated on 23rd May. With Halifax the cut-off date for receiving the paperwork is the 29th of the month so the new mortgage can begin 1st of the next month. So I thought I had given them plenty of time. I heard nothing then for over two weeks. So on 13th June I called them and was told that they received my signed agreement on 27th May but they had to make an enquiry with Land Registry and were still waiting for a response. They didn't really explain what the issue was and I don't understand why there would be an issue because none of my details have changed, as stated earlier I have been with the company 7 years. Anyway, again I heard nothing for a further two weeks so I contacted them again 23rd June and after being on the phone over 20 minutes was told that whatever the issue with the LR, this had now been resolved but that I had missed the cut-off for the mortgage and the rates have now changed so they would have to give me a new deal. I was put through to another department but after waiting over another 20 minutes on the phone I ended up putting it down because it was still no further to being answered. I have since checked online and the same fixed rate has gone up 0.5% to 2.89%.
I am planning on calling them today to sort this out but do you think I have been wrongly treated, should I have got the initial rate which I agreed to? and do you think if I argue the toss I may get it? I'm not sure whether they will say it's in the T&C's but has anyone else had any similar problems.I kind of feel that they used delaying tactics in order to bump me up to an higher rate.
Thanks in advance.
On 22nd May 2014 I applied online to switch my mortgage from the SVR to a new two year fixed rate. I have been with Halifax for 7 years now, 5 of which I have stayed on SVR. I have no arrears and everything is perfect with my account. The deal I was offered was 2.84% for two years. I applied and the paperwork; KFI and mortgage agreement were sent by email later in the day. I promptly printed off the documents and returned the agreement signed and dated on 23rd May. With Halifax the cut-off date for receiving the paperwork is the 29th of the month so the new mortgage can begin 1st of the next month. So I thought I had given them plenty of time. I heard nothing then for over two weeks. So on 13th June I called them and was told that they received my signed agreement on 27th May but they had to make an enquiry with Land Registry and were still waiting for a response. They didn't really explain what the issue was and I don't understand why there would be an issue because none of my details have changed, as stated earlier I have been with the company 7 years. Anyway, again I heard nothing for a further two weeks so I contacted them again 23rd June and after being on the phone over 20 minutes was told that whatever the issue with the LR, this had now been resolved but that I had missed the cut-off for the mortgage and the rates have now changed so they would have to give me a new deal. I was put through to another department but after waiting over another 20 minutes on the phone I ended up putting it down because it was still no further to being answered. I have since checked online and the same fixed rate has gone up 0.5% to 2.89%.
I am planning on calling them today to sort this out but do you think I have been wrongly treated, should I have got the initial rate which I agreed to? and do you think if I argue the toss I may get it? I'm not sure whether they will say it's in the T&C's but has anyone else had any similar problems.I kind of feel that they used delaying tactics in order to bump me up to an higher rate.
Thanks in advance.
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