We were in danger of our chain collapsing as it took so long over the paperwork and we had to find an alternative

We recently moved house and wanted to port our Barclays mortgage, but it took so long over the paperwork that our chain looked set to collapse, so we switched to another lender.

Despite the delays at its end, Barclays says we still have to pay an early repayment charge (ERC) of more than £13,000.