Mortgage shortfall with Halifax of #12,000 approx, been paying for first 12 months #10.00 per month & then next 12 months #15.00. Through a Solicitor I sent an income & expenditure which stated that I couldn't afford any more money but offered them #2,000 (a gift from my sister due to the stress being caused by this to me), as a full & final settlement figure. They refused both and are looking for more money a month or a bigger settlement figure. Read the article in the Mail on Sunday, and really feel like telling my Solicitor that because Direct Legal & Collections (debt collectors) have refused both to tell them to stuff it and they get nothing. Is this the thing to do? Please help.

-- Kate Gallacher (abbey@flowersdirectsw.sagehost.co.uk), September 25, 2000

Answers

once you agreed a monthly repayment thell always push for more. Have you tried DPA subject access rights on them it may reveal some interestig information

-- steve mACE (steve@samace.screaming.net), September 25, 2000.

Kate - I'm a Halifax Shortfall Victim as well - contact Eleanor Scott.

eleanor.scott@btinternet.com

and join the Mortgage Shortfall Support Group. The strength in numbers helps believe me.

Regards,

-- Tony Hayter (Tony@Hayter.com), September 28, 2000.