My FA has been replaced and is now an estate agent in the same company; the company FD was the bearer of the bad news that no offer is to be forthcoming - he has indicated that in his opinion the fault lay with the solicitor. A conveyancing agent was handling my case until just before exchange. She went on holiday and another person in the organisation requested the funds from me. Since the failure on completion I have been passed to an actual solicitor who is apparently conversing with his senior partner over this weekend. (I don't see how that will help immediately as the funds have been returned to Halifax - apparently they couldn't 'review' the case unless funds were returned). What I just don't get in all this is the terms and conditions quoted: they state the offer may be withdrawn if there is either a fraud, a change in my circumstances that would have influenced their decision at the time, or some negative change to the properties value. The ONLY change is that I earn substantially more now than I did when I applied for the mortgage.

I have a similar nightmare just unfolding and would appreciate any help/advice from the forum as it seems we are about to lose everything. I am a discharged bankrupt since Jan 2008. We approached a broker and made this fact abundantly clear and supplied a copy of the discharge along with the other usual paperwork/proofs required at this stage. Halifax offered a mortgage so we found a house. Our first mortgage offer expired after we exchanged but before completion. All deposits had already been paid. On the day of completion we were advised that Halifax requested the funds back from our solicitor because of the bankruptcy. It was explained that it wasn't the bankruptcy but the expiration of the offer. A new offer at a slightly increased rate was then received. We all began the arrangements again. I then received a further call saying that we did not have an offer as it was a 'mistake'. I have this offer in writing along with a letter explaining when my first payment would be taken. I called Halifax myself and they explained they had no record, written or verbal of my discharge, maintaining they did not know of the bankruptcy in the first place. They also said I did not come up on their searches as they had an incorrect address for me. I asked if that was the case, how had I received the offer at my address. I have now been advised 7 days after the completion date that Halifax are now declining to offer a mortgage. My broker advises that this is due to missed credit card payments or 'something'. I have not held a credit card since my bankruptcy and the only entries on my file relate to that. There has been no change to my credit file whatsoever since first applying for this mortgage - I have the copy from then and have compared it today's. My credit score is high and I have disclosed from the outset my entire history. How can this happen? Why is it allowed to happen? Please help.