Court and the Halifax

The Halifax are chasing my husband for a £10,000 shortfall. The papers have been handed in to court today. The Halifax have sent us a copy of their papers and have put down estimated costs to date of being £1,000, estimated costs overall £7,000 - £10,000. This seems quite a lot. I assume that if we win and the court accepts that my husband only has to pay the £1,000 we have offered then he will not have to pay costs. But if the Halifax are awarded just £1.00 above the offer made then they will have won and the costs will have to ne paid. Am I right. I am trying on my husbands behalf to prove that the Halifax were negligent in not changing my husbands address when he informed them in 1997, the mortgage went into arrears after that date eventhough my husband was paying his ex-wife £90 per week through the CSA and that included housing costs to cover the mortgage. The Halifax will not listen. I have picked through every bit of paperwork they have sent us to try and discredit the Halifax. I have found a few things, one main point being an amendment to my husband personal information, it does not say what the amendment was but the date corresponds with the date my husbands changed his address. The Halifax have said they cannot comment on this until I send them a copy of the document I am refering to. I just don't know what to do next. My Husband want to give in, but I will not let him. He has paid the money once to his ex-wife and we have proof, I'll be damed if he is going to pay again.

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