Completed today and got the keys this evening. It nearly didn't happen though, Halifax REALLY let us down. I got a phone call from the solicitor this morning telling me that Halifax had not sent enough money. Turns out they had neglected to send the £650 first time buyers cashback amount, which we were using to pay the solicitor fees.
We tried ringing Halifax but our mortgage advisor had seemingly fallen off the face of the planet. His mobile was off and the local Halifax branch said he was at a different branch. I rung that branch and was told he was at the first branch. No one was willing to do anything to help us.
Long story short we had to scrap together £650 using a mixture of the dregs of our savings and both of our overdrafts. We now have just £8.30 left to our names, but got enough money to complete on the house. Finally got hold of the advisor in the afternoon when it would have been too late to do anything. He said that he told them to send the extra £650, so doesn't know what went wrong.
Goes without saying a serious formal complaint is working it's way to Halifax on Monday.
So the third happiest day of my life is also probably turned out to be the worst. So happy to have the house, but feel our mortgage provider have really let us down on the one day we needed them the most.
