Tracy, further to what Geoff said above, I would let sleeping dogs lie where the Halifax is concerned. They won't correspond with you but they certainly will where the MIG Co is concerned. If yours is the RSA, you could be stirring up a hornets nest....(posted 7810 days ago)Heather, I am sorry you had a crappy experience with your MP. Mine responded similarly, if far more rudely in 1991, the Tory b*****d telling me that I should make arrangements to pay my debts (!!??) and that there was nothing he could do to allieviate a constituents "financial distress". This despite me showing proof that my ex had walked away and left me and the kids in a huge amount of debt that was nothing to do with me!