Who do I complain to about being mis-sold a mortgage product?

[Sannacott]

I have a 2 year fixed term mortgage with the Halifax which I now discover lasts for 2 years and 3 months. Is there a regulatory body I can complain to?

[scorpio61]

the FSA, financial services authority, you'll find their details on a web search or even 118 if you want to call them.

I'd like to know more on how you get on but I also have access to independent brokers (about 5000 of them!!) if you need more info and don't want to go directly to the FSA.

Have a good weekend

[nuoyg]

I believe you can also go to the Financial Services Ombudsman which investigate complaints, get compensation etc.   Generally people go to the FSO if they've been to the company and they have got no joy.  The FSA actually regulate the financial companies though so they would have the power to do the big telling off (I believe).  

[Loosehead]

So you didn't read the conditions then? Can you now see the dates in theoriginal agreement or have they move the goal posts, if it's the former then it's your own fault if it's the latter they can't do it.

[khana]

When you took out the mortgage, were you provided with a facility or side letter which you would have had to sign and retain a copy for your records ?. This should have the exact details on the mortgage such as the interest rate, the amount borrowed and most crucially the term (including the term of any fixed rate).
It would be worth checking this first before complaining as if you have signed such a document then you probably do not have a leg to stand on.

[stevie21]

In addition to all of the above, any Ombudsman will only ever get involved if you've exhausted the company's complaints procedure(s).

[Uzoma]

You didn't actually mention whether you've complained to the bank yet.  Normally, the Financial Services Authority and the Financial Ombudsman only entertain complaints after you've exhausted the bank's complaints procedure and are still dissatisfied.  However, most fixed rates have a little extra time because they have a date until when the rate is fixed rather than just an exact 2 year fixed term.  Most times that tends to work out well - I guess it didn't work out well in your case.