Can anybody tell me if I am legally obliged to communicate with the Halifax about my mortgage over the phone? I am currently in arrears (only by one month) and have contacted them 5 times by letter starting on 3 October with proposals for repayment. I have enclosed cheques in all but one of these letters and all the cheques have been cashed so they have clearly received them. I get phoned around 4-5 times per day despite me responding to a text message by ringing them and specifically stating that I did not want to correspond by telephone as this means that they have a full record of what was said but I have none. I much prefer to communicate by email (not possible) or mail so that I too have a record - I don't think that this is unreasonable. Despite this request they continue to phone me several times a day so I have now used True Caller to block their calls - even this hasn't stopped them ringing. Before the calls were blocked they never left a voicemail asking for a call back. I have looked at the T&Cs and can find nothing which states that I have to talk to them over the phone but it is almost 2 months since my original letter and all I have received is 2 identical copies of a automated letter and a letter which did not respond to any of my queries but merely restated my arrears - i.e. the obvious and enclosed a Money Advice Service booklet which ironically advises that you keep contacting your lender which I have done! I am beyond frustrated and have told the Halifax if they don't send a written response by Monday next week then I will send all copies of correspondence to the Ombudsman - can anybody help.......??
Contact with Halifax PLC
