Response to Halifax, the latest from them

I am equally sorry if you didn't like what I contributed from my experience, but it's what happened [to me] and is a common thread in a lot of posts here. The 12 year thing though - is *not* triggered every time you admit liability. Specialty debt has a 12 year shelf life from the date of it's invocation - i.e. the default and/or sale of the repossessed property, whichever happens first.

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