Halifax Mortgage Overpaymen

[baldy_1812]

Hi,

 

On 4th June I made a large transfer to pay off my mortgage to the halifax.

 

The sum I transferred was the sum I was told from one of their advisors.

 

then logged onto my account a few days later to see my balance was reading around negative £1900.

 

immediately phoned up the advisor who told me I had transferred too much.

 

didn't understand as this was the amount I was told by the original adviser.

 

obviously happily accepted this and was told the money would be transferred back to me within 10 days.

 

10 days passed and no money was in the account

 

again I phoned up to explain the situation and was again told (by a different adviser) that everything was ok

and it sometimes could take up to 15 days.

 

today (20/06) I phoned up to check what was going on,

only to be told I had infact made the correct payment and I wouldn't be receiving any money back.

 

As you can imagine having been told by two separate advisors that I would be receiving the money this came as a huge shock to me,

especially since I had just paid for a family holiday with the money I was told id be getting back!!

 

this leaves me £1800 out of pocket!!

 

I raised an initial complaint and after some apologising I was offered £300.

 

What about the rest of the money that I have already spent which leaves me out of pocket!

 

Am I entitled to get all this money back?

 

The phone calls are all recorded they told me so I have proof.

[Lookingforjustice]

I have found the Halifax quite reasonable.

 

I had something similar where I was given wrong information by one of their advisors.

 

This resulted in Halifax taking too much money out of my account.

 

I am on a tight budget and other things defaulted and

 

I got charged for non payment of a different direct debit and charges on my bank account for failed direct debit.

 

Halifax picked up all the charges as a show of good faith.

 

I believe that some amount of discretion is given to the advisor you speak to but maybe with the amount

you were messed around on needs to go higher for authorisation.

 

I was told that since Halifax started this system complaints have fallen dramatically so I would continue to pursue this.

 

Having booked the holiday would you lose the money if you cancelled or would the impact on your family be too distressing.

 

Let them know.

 

As I understand it there is no obligation for them to pay you this money

but I think given the circumstances they may do it as a gesture of goodwill.