FOS and Mortgage Mis Sold

[jennie1204]

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?

[Klandestine]

Have you actually received a formal decision from the FOS stating that your complaint is being upheld yet?

 

Or are they just updating you on the situation? - in which case I would wait for the final decision.

 

Keep us updated.

[jennie1204]

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??

[citizenB]

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

[jennie1204]

Thank You

[citizenB]

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 mortgageinterest assistance.

 

 

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