Hi Karen,(posted 8010 days ago)Do NOT fill in their Income & Expenditure form. By doing so you may be admitting liability to a debt which they have yet to prove satisfactorily. You must SARN the HALIFAX, COLLEYS and the ESTATE AGENT concerned to get all the facts especially the copies of the valuations. If they refuse to supply the valuations for any reason then please feel free to cite my case where they did supply them (Though I rather feel that they wish they hadn't!).
It certainly seems based on my experience with the HALIFAX that they are still up to their same tricks. The income and expenditure form the HALIFAX's solicitors recently sent me actually asked how much pocket money each child got! The form is now in the hands of a BBC reporter who was VERY interested in what the HALIFAX is up to.
I certainly wouldn't trust any appproach from the HALIFAX with the word 'goodwill' attached to it - to them it's just like any other word and they use it blandly.
Read the Home Repossession site thoroughly and insist on the HALIFAX proving the debt, which they HAVE to do.
Don't let yourself be a victim!
Best Regards,