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Response to Halifax repo/Eversheds

from One Angry Mother (madcow678@hotmail.com)
Clair,

I can't give you any advice at the moment as I am in EXACTLY the same situation, except I have one child and no more on the way!

I did the same as you because I was scared and have been paying £10 a month for the last four years to Addleshaw Booth & Co. However, I did state that this was for COSTS of selling the property and not acknowledgment of the shortfall debt. I received a letter last week from the Counselling Intermediary Services on behalf of Halifax asking if I want to make a settlement.

I have written back asking for all the documents listed in the 'What to Do' Section and am now waiting for a reply.

I think your first stop should be to print off and read carefully, everything on this site as it is very very helpful. Then write a letter asking for all relevant documents to this debt, so you can see just what you are paying for. You should also state that there is no way you can afford to pay £200 a month and will continue to pay £20. Once you have done this, come back and ask for more help if you need to.

It may be helpful to know that the Halifax had details of my ex- husbands address after we separated, but they have NEVER contacted him. Perhaps they feel a single mother living on a part time wage is more able to pay the debt than an ex husband who lived with his parents and had no major outlay when all this started!

Good luck and stand your ground.

(posted 7856 days ago)

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