I have stood back and watched this thread and a few others over the past few months and noticed the increasing proliferation of phrases such as:(posted 7945 days ago)"all of you that still don't want to take any responsibility for your debts"
"YOU OWE THEM MONEY - and they will get it eventually, even if you do not like their tactics"
"Just accept the debt, come to a full and final settlement arrangement and then get on with your lives."
"everyone should be made aware of the prolonged stress and anxiety of trying to fight what in some cases is a losing battle."
"I hate to tell you all that you are wasting your time."
"I know of people who have spent tens of thousands of pounds on solicitors and barrister fees. They have been told they had a good case, only for the solictor to recommend just before the court hearing that they should settle out of court. They ended up gaining nothing extra and at a huge cost to themselves."
These phrases are found dispersed freely amongst supposedly helpful texts but grouped here they clearly show a certain trend. I would strongly suggest that readers use their own judgement as to whether they actually owe any debt that has not yet been put to "strict proof".
I for one will not give up the fight for justice. I believe that I have proof that the Halifax deliberately undervalued, undermarketed and undersold my property. I am well aware of the "prolonged stress and anxiety" caused by lenders persistently making it as difficult as possible for borrowers to obtain the evidence that they have a legal right to. I believe that their sole intention is to make it feel that it is in fact a "losing battle". My advice based on my experience is: Do NOT EVER ask for any settlement on any alleged debt that has not been proven just to get the stress taken away - that is what they are depending on by giving you the stress in the first place.
Don't be conned either!