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Old Halifax Mortgage From 2002


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Hello,

 

A couple of years ago I did an SAR to Halifax for my mortgage account. (I paid it off in 2006 when i moved house). I wanted to try and reclaim the ERC but now know this isn't possible.

 

Anyway I was going through my drawers last night and came accross the paper work so decided to have a nosey at them as you.

 

I noticed on there there was a Loan A and Loan B..... Loan A is quite clearly my mortgage however i'm a bit confused to what Loan B is. It's showing that I was getting charged 70p and 80p a month over the full term of my mortgage it varies each month how much I got charged I assume to do with interest rates etc. It does say the loan amount is £137 and the terms are in length with the time of my mortgage ie 25years then decreasing over the 4 years I paid the mortgage.

 

Out of curiosity today I called Halifax and the lady I spoke to could only see as far back as 2005 assuming this as it's 6 years ago. She said normally Loan B is when there are product fees or insurance added to the mortgage. I had neither of these and explained this to her the only extra I got was a higher lending charge of £299, which doesn't tally up with the £137 Loan B amount.

 

So she was passing it onto someone at the business centre and advised me that they would write to me within the next 7 to 10 working days.

 

Does anybody know what this could be. Any Help/advise will be much appriciated.

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Hi with Halifax and most mortgage companies Loan A is the mortgage and Loan B is PPI.

 

Can we encourage you to keep all future communications in writing?

 

As Halifax business centre are due to contact you within 7-10 days see what they come up with,in the meantime I would suggest you have a look around the site at mis-sold PPI and get yourself ready to reclaim mis-sold PPI as you seem to be unaware that it was included with your mortgage loan.

 

Regards FS

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