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Halifax mortgage arrears charges


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Hi,

 

I have been trying to get halifax to repay the arrears charges on my mortgage account. I have now changed lenders and have calculated they have taken and extra £1200.00 off me during the course of the mortgage.

 

I sent them a letter asking for the money to be repaid along which a schedule of what the fees were, when and for how much.

 

I got a letter back today saying they have investigated the complaint and were happy the charges have been applied correctly with the terms and conditions of the mortgage account.

 

I also asked for a breakdown of how their arrears costs are calculated and they said they could not divulge it as it is commercially sensitive.

 

I told them in the letter to take it as an LBA if they did not refund my money.

 

Whats do I do now ?

 

Should I file a claim with the court ? if so has anyone else done this and won. I have no idea what to put on the court doc !

 

Any help would be really appreciated !

 

Thankyou

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