I was under 18 when the Leeds (now Halifax) lent me and my now ex husband the money for a mortgage - they admit it was a mistake as they had all the details infront of them. Only when the house was re-possessed some 10 years later was I notified by my solicitor that this mortgage should never have been effected. The Halifax say that despite having the info, they technically ignored it and I ratified it by paying it - how could I ratify something when I had been wrongly advised?? They made #15,000 profit with the 10 years interest and sale of the house - how can this be ethical when it was their mistake in the first place?

-- Keely Sutton (Tonyjs@31hawbeck.freeserve.co.uk), April 04, 2000