PS; The solicitor acting for halifax said that after she had worked out how long it will take us to pay the arrears off at £30-00 per month the figure came to 4 years, which she said was too long, can they refuse to accept how many years it will take, i remember about 9 yrs ago we got into arrears the judge ordered that we pay the arrears within 5 yrs!! which thankfully, we got straight within 12 months anyway!(posted 7260 days ago)