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Hi I had a five year fixed term deal with the halifax which expired in February this Year which reverted back to the standard variable rate so I presumed there would be no redemption penalty when I sold my flat .

I had a surprise when my redemption was two thousand pounds more than the amount i borrowed .

I called the halifax and they couldnt explain to me what the charges were and I spoke to two different customer service agents , they both just said it was interest on the loan .

As the mortgage was interest only and I was paying this back monthly anyway I am bewildered as to what these charges are .

I am going into a branch tomorrow to get a better explanation ,just wondered if anyone else could help ?

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It may be. A good idea to send them a subject access request along with the £10 fee

It will get all the data they hold on you statements ect


Sounds like they are fobbing you off and will continue to do so

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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That is very unusual. There should normally be no fetter on the right of redemption after any deals have expired. I think that you should query it.

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