Another thought.(posted 8340 days ago)If you have already settled the 'debt' with the Halifax did you get any paperwork to say that this was in Full and Final Settlement? If so then it is up to the Halifax and RSA to decide to gets what from what has been paid. The halifax is entitled to seek the full shortfall whaereas the RSA can only seek the MIG payout amount. If the Halifax is successful then they must pay back the RSA for the insurance payout - basically the same as if your car was stolen, insurance paid out and then your car found again in good working order. You would be expected to pay back the insurance payment.