Complain and keep complaining about the dual SVRs being charged by Abbey and Halifax, in my opinion.(posted 8071 days ago)You should apparently write something like this:
"I am writing to complain about the rate of interest being charged on my account. Following the recent ruling by the Financial Ombudsman I believe the rate I have been charged is in breach of my mortgage contract.
I understand that the rate I am being charged is linked to your higher standard variable rate, not the lower standard variable rate being charged to other customers.
I would like you to reimburse me the extra interest I have paid since the introduction of the lower interest rate.
If you do not do this, I will be obliged to take my case to the Financial Ombudsman.
Yours faithfully,
Blah blah."