When did they first contact her about this alleged shortfall debt? Halifax said they would not pursue any alleged debts over six years old, after Feb 11th this year. This is a decision lauded by the Council of Mortgage Lenders. Or did they contact her just before the 'deadline'? You still have plenty of options, though. Please *do* read the 'repossession' part of this site thoroughly, and get back in touch. There are a lot of people who can offer support via this site. Good luck.(posted 8572 days ago)