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The buyers applied for a mortgage, again, through Halifax.

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The bank claims to have operated this six-month rule for five years, yet you tell me the mortgage adviser knew nothing of it and only confirmed it after Googling it!

It is for the lender to take responsibility and make the decision.

Halifax then said, rather pompously: ‘As a responsible lender, we ensure that we comply with all preventative measures in relation to money laundering.’ I would have thought that might involve checking a customer’s long record with the bank (you have held your mortgage for 14 years), registering that you were using existing savings and speaking to your mortgage adviser.

I batted your complaint back to Halifax again and again. A spokesman told me: ‘Each situation should be reviewed on a case by case basis and there is the opportunity, in certain circumstances, to use discretion and allow the mortgage application to succeed.

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