Halifax incorrect mortgage calculation

Darcy1_

On 28th November Halifax didn’t take a direct debit for our mortgage. I called and queried it and they said all was fine and it would clear late in the day. It didn’t and they called to say it would be taken on 11th December. I questioned if we’d incur extra interest as the payment was delayed by 13 days. I was assured we wouldn’t and received a letter stating the same the following week. I track our mortgage and have done since it started, and have always been accurate to within a couple pence. I saw from my online account they did adjust the interest but to me not accurately and I’ve not balanced ever since. I was £29.84 out as at 31st December and a further £3.51 out as at 31st January 2021. I’m just wondering if any other customers have raised this or if there is a better way to approach it with Halifax as all they said was to write to them. It’s not millions of pounds but it will add up over the remaining 11 years so would like to correct it sooner rather than later - if I’m right of course(!)

[Deleted User]

email them asking to lodge it as a complaint to get it to the right person.  'a complaint is an indication of dissatisfaction whether justified or not' was the training when i worked there so they will take it seriously enough to either correct it or explain when it isnt wrong.  

getmore4less

13 days interest on the capital part of the payment(and unpaid interest) will depend on the rate and payment which you have not given so no one can do any calculations to see if you have the right amount. 

eg £100k over 20 years @ 2% is ~£506pm
13 days extra interest on that would be ~£4.40  that's the sort of adjustment you would be looking at.
(adjusted for your payment/rate)

Darcy1_

getmore4less said:

13 days interest on the capital part of the payment(and unpaid interest) will depend on the rate and payment which you have not given so no one can do any calculations to see if you have the right amount. 

eg £100k over 20 years @ 2% is ~£506pm
13 days extra interest on that would be ~£4.40  that's the sort of adjustment you would be looking at.
(adjusted for your payment/rate)

appreciate the fact that I've not given any figures here. We're on 2.13%, 11 years left, and we've got £141k left

Darcy1_

Deleted_User said:

email them asking to lodge it as a complaint to get it to the right person.  'a complaint is an indication of dissatisfaction whether justified or not' was the training when i worked there so they will take it seriously enough to either correct it or explain when it isnt wrong.  

there seemed to be a real resistance to escalate it when I called. If I could visit a branch I'd go armed with a laptop in person, but will see what reaction I get from an email. Thanks.

[Deleted User]

You're unlikely to get anyone who would have a clue what you are talking about.  All the processing is done in service centres.  
Email them in and just say you want to register a complaint.  They will try resolve within 72 hours so they can class as non reportable. 
 It will be the only way of getting your query in front of someone who knows what is going on