Just been given a bit of slightly bad news by the OH.

[Captain Haddock]

So, we have had a mortgage with Halifax. Five years ago, we decided to pay an extra Tenner a month towards the mortgage payment. Today, OH tells me that she has found out these overpayments are not being counted towards the mortgage!! How can this possibly be?

Anyone??

[Amethyst]

https://www.halifax.co.uk/mortgages/...underpayments/

They do seem to allow overpayments but check your mortgage agreement. You're on a repayment mortgage I presume? You'll probably want to get a up to date mortgage statement too, and basically, ask Halifax what's happening to the extra £10 you've been paying - also check the rate hasn't changed over the years which has eaten up the overpayment amounts.

[Captain Haddock]

Thanks, Amethyst.

We are on a tracker. Maybe this ten Quid is just getting lost therein?

Will write to them tomorrow.

[Amethyst]

Possibly. What made OH notice it wasn't being paid to the mortgage ? It likely will be best to speak with them first, then if there is an issue you'll have a starting point to work from.

How do you pay the extra £10 ? Do they take the main payment by DD then you pay £10 on top separately ( standing order ) - or did you ask them to increase by £10 and they've added it to the DD (or not as the case may be )

[Captain Haddock]

I think we just voluntarily upped the DD payment. Will ask OH tomorrow.

Thank you.