My partner and I had a mortgage with the Halifax until one day, 12 weeks ago, our 13 year old daughter came home from school and couldn’t get into the house, the locks had been changed, and our dog had been taken. We had no idea this was happening to us.
Upon calling Halifax we were advised we had been underpaying on our monthly payments (we paid by internet banking) slightly due to a rate change (which they’d failed to advise us of).
Cutting a very long, stressful 12 week story short, we had to redeem the full outstanding mortgage of approx £190k to get our home back. We couldn’t just clear the arrears, it had to be the full loan amount. We offered £50k, which they refused. We have been fortunate enough to be able to clear the full amount and get our property back.
They are far from helpful, have caused us so much stress and upset, even down to the very last day when we cleared the mortgage in full, they expected us to wait another 72 hours before checking for receipt of the funds that had been paid by CHAPS. After a very tense phone call they finally confirmed receipt.
We have just received a invoice breakdown of “costs” that were added to our outstanding balance.
We have been charged £260 for the pleasure of a dog handler, that took our 8 month old puppy from our home, and only had him for 4 hours. He was so traumatised that he is now petrified of bald men!
I can only say avoid at all costs, the weight has been lifted off of our shoulders knowing we do not have to have any more contact with such a farce of a company.
Reviewed on: 26th June 2019
