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Halifax fixed Mortgage rate without permission


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Hi there,

 

My Brother In Law has just discovered that his bank had fixed his Mortgage for 5 years at 3.89% without his consent.

He has demanded to see the signed document

 

the bank could not produce the signed contract

 

he has been into branch and seen on the computer also that the contract is not signed in the signature box.

 

What should he do in this situation?

Any help would be much appreciated.

Thanks

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Was a previous mortgage period fixed ? If it was, then this might explain action taken.

 

The Bank should have written to him.

 

He needs copies of all paperwork from the Bank.

 

Data Protection Subject Access Request.

 

Get a formal complaint registered with the Bank.

 

They then have to work to FCA/FOS standards for dealing with complaints.

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sar

 

whos the bank?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have downloaded the SAR but i need to know two things:

1) Should the complaint be made once the documents have been received or can the complaint be made immediately pending receipt of the paperwork?

2) The SAR mentions Post 3 but i cannot find this. what will i need to add to the SAR in order to tailor it for this particular case?

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get the info first

read post 3 in the sar thread

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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it is common that once a fixed rate period has expired then the loan becomes a standard variable rate.

Now with interest rates so low they have decided that a 5 year fixed rate applied due to inertia on his part in choosing something else is the way to go because if he wants to use another product or take his business elsewhere he will have to pay the several thousand quid penalty charges to get out of this deal even though it is worse than the normal SVR.

 

Luckily it isnt enforceable but the sooner he gets on top of things the easier it is to unwind or they will claim he agreed by paying up for an appreciable amount of time

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