I'm with Stephen and Eleanor on this. They are making the claim, so they need to prove the claim before you get down to the business of whether or not you have the means or the intention to pay it.(posted 8466 days ago)Until Halifax have proven their claim, there is no point in discussing how you will deal with it.
Shame to hear the Halifax is acting like this - they used to be OK. Let this be a warning to any readers that are looking for a new mortgage.
Lee