macca5000
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Hi all, I took out a fixed rate mortgage with the Halifax a few years ago. I had previous been on a fixed rate with them which came to an end, but decided to renew based on their advice. At the time I specifically told them I would be looking to move house before the end of the fixed rate and they assured me this was not a problem as I could port the mortgage. Low and behold when it came to moving they wouldn't allow me to port the mortgage as I didn't meet the additional lending criteria. As a result I had to go with another lender and incurred £3k + in ERCs. I complained to the Halifax and the financial ombudsman, on the grounds that I took out the product on the promise that I could port. Unfortunately my complaint was not upheld. I now feel I am left with no other option but to make a claim via the courts. Can anyone offer any advice as to whether my claim stands any chance of being successful? Thanks in advance
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