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Halifax - time to get the fees back

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Short background


My mother passed away 6 years ago and the estate still has the house. Initially the mortgage wasn't paid for 18 months after her death - neither myself or the co-exeutor were working and in 2008 HIPS were still enforce and there allegedly wasn't any money left in the estate to pay for a HIPS so the house couldn't be sold (there should have been enough money for 12 months of housing costs but co-executor spent it all in six weeks down at Tescos). Roll on to now. I have been in and out of work, used a PPI win to avoid repossession in Oct 2009 (literally arrived back from arranging the transfer to find the court papers on the doormat) Arrears built again - were cleared again - built again were cleared again - currently cleared and my work situation is looking more stable after changing industry - the right decision my income is much healthier than it has been in about 7 years (council tax arrears are next to be cleared in a few months)


Halifax did what all mortgage companies did - the computor send the same letter out every month the only difference being around £300 arrears, and £1700 arrears where the wording changes but essentially the same. They charged £35 for these letters.


A year or so ago they restructured the mortgage into 2 accounts the capital account and a secondary account of about £2K which I understand is where they put all the charges and fees


There is also two sets of legal fees - one for when they used the court to have myself and the co-executor declared the legal owners - co-executor swore he had completed and sent in the probate forms - more lies he is good at lies and bugger all else. Took me two days to sort it after I spike to the probate office and they told me they hadn't received any forms - he didin't seem to know about a few things required when filling these forms in so I know it was lies not lost. The second set is the fees up until issues the court summons for repo - that was stopped a week after I sent the lump sum from my PPI in.


I suspect that there is another fee for a visit - I told him to get lost


I am going to start with a SAR to find out all the fees added since my mother died.


I want to try and sell this year so the getting the fees back is within my remit as executor to maximise the estate value. Lower mortgage left more left for the beneficiaries - me and the lying theiving co-executor.


So SAR next week and then the rest of the process starts


The mortgage is in the name of personal reps of Mrs XX but the mortgage compnay has a copy of the probate documents so they know I am partially liable for the account


Not so brief afterall:oops:

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else



The PPI Saga

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Sounds like a plan to me :) I have linked you to two letters below.


1: SAR request - http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request


2: Letter asking for your money back - http://www.consumeractiongroup.co.uk/forum/showthread.php?390026-Mortgages-Reclaiming-Charges




Make sure that you obtain at the very least, a free proof of posting when sending these letters. For the SAR, they have 40 calendar days in which to comply.

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