Response to 1st letter from Halifax demanding shortfall, need help!!!!!

Juliette: could you give a little more info? By email if you would prefer, but there are some great people on this site who have had dealings with the Halifax and can best advise you. The shortfall is quite high - was it a negative equity situation or arrears, or both? Did you have a MIG policy? If so, how old was it? The Halifax appear to be treading carefully but they won't go away. If you have already been through hell to end up in this situation (as most of us here have) then if you *can* settle I would, just to be able to get on with your lives. If there is another party involved (i.e. an ex) then obviously it's more complicated. The Lenders have a very long time to make your lives a misery otherwise, and a lot of them do. Your first step *is* to get them to evidence the claim; follow the directions on this site and I wish you the best of luck.

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