Response to Halifax, the latest from them

I hate to tell you, but your "outside legal advice" has now stuffed you legally.You have admitted liability and acknowledged the debt claimed by the Lender by filling in that form. Shame on whomever told you to fill in their I&E form. The Lender can (and will) now ask for six monthly updates on your financial situation and despite you having no disposable income, they can file for a preferred creditor status and bump other payments down the list - like credit cards, etc and anything unsecured. What you will end up with is an involuntary insolvency arrangement, the step before total bankruptcy. This was done to me, despite the fact that as a single mother I was living on an overdraft and credit cards! I could not go bankrupt for reasons I would rather not expand on at this point, and they knew it. My ex-husband did and left me with the lot to deal with; I eventually threw in the towel and left the country. NAMV may not be able to intervene now that you have accepted the debt, but you could try. They tend to take on cases where the victim has being well and truly messed around and all guidelines have been ignored by the Lender. Unfortunately your outside advice gave you a bum steer as they say. I am so sorry and do hope you find a satisfactory resolution.

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