Response to What to do next?

I think this an interesting example of Halifax (one of the first lenders to declare its acceptance of the so-called voluntary six year rule) quite deliberately writing to an ex borrower just before their demarcated six year period is up. (Halifax's construction of the six years is: 6 years from date of sale to the contact letter being sent). According to the lenders, once that letter's been sent - despite the fact it has no status in law - you are well and truly 'in the system'. In other words, the big fanfare of positive publicity (for the lenders) on Feb 11th was just so much hot air and spin. (A twister!) Please do what Lee says and read this site thoroughly if you feel you've been misled in any way, badly treated, or the property was sold too cheaply. Some observers would also say, check if they've got a money order judgement. Good luck. Eleanor.

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