I have recently recieved a letter from 'halifaxs' solicitors about the shortfall after my reposetion 8 years ago.Attached to it is a means test ,am i legally abliged to fill it in?

-- MArk (mark.jakins@btinternet.com), February 07, 2002

Answers

If you have no queries about the shortfall and how the repossession was handled, then you may as well fill it in and get some kind of payment plan arranged. It is almost always best to offer a lump sum in full and final settlement rather than get into an open-ended arrangement.

If you have any doubt whatsoever about the repossession/shortfall, DO NOT fill in the form, as it means you are accepting responsibility for the debt. Instead, read this site from top to bottom and follow the advice on it.

Good luck

-- Melody (mbc109@york.ac.uk), February 08, 2002.

Alternatively ask them why they are persuing a debt that is time barred. The halifax, as well as adhering to the CML agreement, made an annoucnement in December 1999 that if they had not made contact then they would not pursue any debts older than 6 years.

You say yours was 8 years ago so therefore they are time barred and the I&E form should be returned as the details they want are none of their business.

-- matt (mattyc@ntlworld.com), February 08, 2002.