This will probably be the first of many questions, so please be patient! My husband had a letter from Counselling Intermediary Services in December, saying Halifax plc have instructed them to mitigate their loss following the sale in possession of the flat owned by him and his ex-wife. It says the shortfall was 25000. My first questions are, is it likely that CIS have bought the debt from the Halifax, is it possible to find out, and would it make any difference to the amount he would have to pay back anyway?(posted 8131 days ago)Any thoughts would be welcome.