Write to Halifax and ask for a copy of their statement. You don't have to say why you want it.(posted 8304 days ago)Write to: Miss G Adams Manager Mortgage Recoveries Halifax plc Trinity Rd Halifax HX1 2RG or telephone 01422 336391 (direct line).
Halifax will also tell you 'It is normal policy to pursue for debts immediately following possession and would only not do so if the address was unknown. It is the borrowers [sic] obligation to provide a forwarding address following possession.'
This is a very different standard 'excuse' from, say, Abbey's. Abbey says 'we wait so long because we want to give people time to get back on their feet' [bless 'em]. Halifax say that they wait so long because the ex borrower is at fault for not leaving an address! In which case, Halifax ought to be made to prove that it *tried* to find ex borrowers 'immediately following repossession'. Did they use the credit reference agencies for tracing at this time? If not, why not? That's how they find people when it suits them to do so.
The lenders have a lot of questions to answer about the inordinate delay in pursuing for these alleged shortfalls, hence, I feel, their rather pathetic excuses.