Halifax are as far as I am concerned the epitome of a shambles, these FAITHFULLY issued a mortgage promise to me (only £25000 on a £35000 property) then PROMPTLY demanded a £500 valuation fee, then IGNORED me totally despite miriad phone calls. it goes without saying that the £500 did NOT get returned. So beware ANYONE who is unfortunate enough to get a "mortgage promise" from Laura Pickard at the Halifax

Hello

I want to like mrtgage but i don?t have open bank account in Halifax.

-I working here in city,i m have job with money every friday 300 pounds.
How many is possible loans or any financial for new customer and what I need.

Thank you

Vallo Jan

ps - Nationwide is a Building Society and not a money grabbing bank!

The answer is simple ..... if you don't have an account with Halifax, look elsewhere for a mortgage. We the consumer shouldn't ahve to grovel for mortgages / loans. They make HUGE amounts of profit from our mortgages.

try looking at the Nationwide mortgage product range. Nationwide does not borrow from the wholesale market so is not panicking like the banks appear to be. Nationwide is Proud to be Different.

in the last house price crash two lenders accounted for 80% of the repossesions i saw half or all repos I went to buy were faxed to me by the halifax followed by abbey.needless to say I never sought a mortgage from either of them for myself ...

DK building surveyor

To anyone thinking of moving current account to Halifax for any reason, just forget it. My mortgage is with Halifax and I thought it best to move my current account there because of high interest but I have spent more time on the phone, inside the branch in the last 6 months than I ever did in the last 10 years (with Lloyds and HSBC). Beware of their charges for no reason and staff who just don't have a clue.

I will be moving my mortgage and all my accounts at the earliest convenience...nothing is worth the stress with this bank.

All Mortgage Lenders are in the market to make money - regrettably a large poportion care little for the "Borrower" once they've landed him. How many have actually passed on the benefit of recent interest rate cuts?

How often are advertised "deals" made available to existing Borrowers? The "deals" are only for the new catch they're looking to land. Some are just a little less blatant than others.

It will only need one big Lender to start funding the market and the others will follow - they're too greedy to resist.

For anyone currently looking for a Mortgage, I understand that HSBC is one Lender loosening its purse strings.

A year ago we had a current account, a savings account, credit cards, our mortgage, a big loan, buildings insurance and contents insurance all with the Halifax, they were making an absolute fortune out of us in interest. We we're so badly treated as an 'existing' customer that we took our business elsewhere and now only have our current account with them as we use it to pay our bills. My advise to new customers... if they want to make it difficult, go somewhere else!

If enough people move their accounts from Halifax, then sooner or later it will have to do something to improve its customer services - but I wouldn't necessarily go holding my breath til it happens.

We have remortgaged from Stroud and Swindon, free of charge, to HSBC. Although it took weeks to get a call back from them, and hours waiting on the phone, the end result was a great tracker rate, NO FEES at all, and a great staff in the end.

Recommend HSBC.

This is a revertion back to the old days when banks insisted that mortgage repayments could only be paid out of one of their accounts. You could NEVER switch you mortgage feeder account to another bank. Any attempt to do so resulted in failed payments, late charges, nasty letters and bad credit history.

Surely this is illegal with todays fair trading laws.

I WAS MADE A MORTGAGE PROMISE BY THE HALIFAX FOR 100,000, THEN WHEN I WENT TO FILL OUT THE FORMS 3 WEEKS LATER, THEY SAID THEY WOULD ONLY LET ME HAVE 93000,AND BETTER STILL WANTED A LETTER FROM MY EMPLOYER I WAS IN STEADY EMPLOYMENT WITHOUT ANY PROSPECT OF BEING MADE REDUNDANT, WHAT A JOKE I AM A PRISON OFFICER IF ANYTHING IS BOOMING ITS CRIME, IVE GOT NO CHANCE OF BEING MADE REDUNDANT, IVE DONE IT FOR 16 YEARS, HALIFAX ARE CRAP, I GAT MINE FROM THE C&G, HALIFAX ARE RUBBISH GO SOMEWERE ELSE.

I've successsfully held numerous mortgages and accounts with the Halifax for over thirty years. But in recent years it's become impossible to get information from the branches where staff are not trained, and it's equally impossible to reach call centre staff by phone at any time day or night. Call centre staff phone at all hours and are required to ask numerous security questions before they'll speak to you. As a specialist in fraud, I politely refuse to give any security information, instead asking them if I can phone back to the caller on a direct Halifax line in order to verify their Halifax identity. This is impossible also, so stalemate is reached. My statements show that I am charged £35 for each of these useless, fraudster-friendly calls, so I fax a message telling them I do not accept the charge and it must be removed, and ask them to confirm that they have done so in writing. These requests are not even acknowledged. I also tell them by fax how risky, indeed foolhardy it is to demand security details of customers by phone whilst the caller remains unidentified; and that I do not divulge any such information and neither should anyone else. My complaint to the Financial Ombudsman's Office on these issues has been waiting in a queue for about a year - so overwhelmed are they with complaints about Halifax-Bank of Scotland these days. What a deterioration in what was once a fine financial institution in my experience.

Thank goodness someone else thinks like me! When a bank or credit card calls u they dont identify themselves yet ask u all manner of security questions - how do u know it is your bank etc. I now refuse to speak with them & ask for a letter to be sent. The financial institute has a lot to learn & training is a key issue. Stop the targets & start to focus on people .

I am annoyed and frustrated at the way yhe halifax treats their customers.I had an innactive current acount with £100 overdraft facility which was overdrawn by £15.00, this overdraft facility was removed without me being informed, charges for being overdrawn on what they call an unorthorised overdraft was then being added to my account. when i questioned these charges the account balance had increased to £57.00,which i payed off to get them off my back, i also asked for the account to be closed immediatly, which they agreed to do, since then charges have still been added again increasing the balance to £67.00 overdrawn. Again i questioned their actions and explained that the account has not been used and that they have refused to close the account without me writing a letter to my branch. I feel that these charges are now illegal that they are just profiteering on the backs of somebody elses misery, God help anybody who takes out a morgage with them, one thing is certain you will get ripped off, why because they can.