The people who publish this website do not advocate avoiding debts, any debt-avoidance advice given via the Q&A board is the opinions of individuals and not necessarily of those who are responsible for the rest of the website content.(posted 7987 days ago)Regardless of this, there are laws regarding the use of personal data. If a creditor or debt collector uses their position or abuses others to gain information they're not entitled to then they're acting illegally and that cannot be condoned in any way.
Those who are fighting their shortfall claims are doing so for a good reason. No lender can turn round and claim a sum of money without justifying their claim. It doesn't matter who is claiming, the civil procedure rules state what must happen, its the lenders who aren't playing by the rules. In a lot of cases, the lenders don't have a leg to stand on, but use threats to cover their mistakes and gain what they wouldn't get in a court of law. If lenders were more honest and open about dealing with shortfalls, this site wouldn't be here.