halifax and puzzled over figures

dipsy

Halifax are really confusing me

This is long so sorry in advance

I thought I had about 12 years left on my mortgage and only noticed all of this due to wanting to change rate
Part of letter sent to Halifiax is below

In 2004 I took out a mortgage with you for £37,533, (Sub account 4), as I had split up from my partner and wanted to be able to convert my mortgage to a repayment - this was fine - inception date of 2004

Around 2009, (I think), I took extended borrowing by £6,820.00 I assume this relates to (Sub account 1) although somewhat confusing as it has a inception date of 2004

There was a mortgage break at the end of 2011 /beginning of 2012 I assume this relates to £1649.00. (Sub Account 3) again with an inception date of 2004

There are a few issues:

My original agreement was in January 2004, and when I took the additional borrowing in or around 2009 I requested that this run alongside my mortgage to ensure that they all finish at the same time, i.e. the original planned finish date, given that your system shows that I have 15 years and 6 months left on my mortgage I really am puzzled as this means I will have had a mortgage for 28 years?????

Lets assume that there has been a !!!! up and the whole mortgage was incorrectly realigned at the time of the additional borrowing, which is not what was asked for, then this means that the mortgage would have a life of 22 years - very odd

There is a Sub account 2 showing online for £40,210.99 - with an original borrowed amount of £3,000 and a start date of 1/3/2009 - this one I can not make out at all, I have no record of this nor can I see how a £3k original figure can then be owing £40,210.99

anyone got any ideas at all?

Thrugelmir

What have done with the annual mortgage statements that you've received? These will provide a detailed trail of activity. If you've lost them then obtaining copies should be your starting point.

While you have separate mortgage loan accounts. There is only one mortgage charge on the property to secure the debt. This is why the references may all relate to 2004. I.E. the date of the original mortgage

amnblog

Should you not simply be calling Halifax for the definite answer on this?