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FOS and Mortgage Mis Sold


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I have recently taken a complaint to FOS, regarding us being mis sold our mortgage by Halifax. We approached several mortgage companies in 2007 for a mortgage and were refused by everyone except for Halifax. At the time my husband was working and i was and still am on benefits as i am disabled. They offered us a mortgage at fixed rate.

 

In 2009 my husbands health deteriorated and he had to take early retirement which meant that we began to struggle making repayments to the mortgage. Halifax were very unhelpful in assisting us with how to sort our problems out. Everything we suggested such as adding our daughter on the mortgage they refused.

 

It has since come to light that they had made assumptions when it came to my husbands pension and had foolishly calculated his yearly pension as his monthly incoming???? we took the complaint to the FOS and they have come back to us and we have in writing that halifax have ADMITTED mis-selling our mortgage yet our only options are to pay the arrears or sell our home???

 

Surely if they have admitted liability then they are responsible to give us some compensation? all we want is to remain in our home with payments we can afford and not the £900 a month they are asking for.

 

can anyone help or advise?

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I have just received a phone call from the FOS to advise of the situation and to ask for my thoughts and suggestions on the matter. I keep re-iterating that we was mis sold and they have admitted that which i have from the FOS in writing however they keep telling us that we have lived in the property for 6 years, as if thats a good enough reason to now have to sell the home and have nowhere to go??

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Will send out some S.O.S for you.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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There does appear to be some poor administration and certainly a lack of support from Halifax..

 

I wonder if you would be better served in looking at support from Government sources..

 

Perhaps concentrate on further benefits and housing assistance Im sure you should qualify for Simple mortgagelink3.gifinterestlink3.gif assistance.

 

 

https://www.gov.uk/support-for-mortgage-interest

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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