Yes i do disagree both with you and NAMV sorry to say-we are tending at the moment to forget the argument re 6/12 rule on shortfalls. This is when the lender tends to go for the Money Judgement after several years have gone by! This can be followed by Attachment of Earnings etc. at the time of repossession ,many Lenders will argue they due not have the full shortfall amounts-so cannot obtain a correct Judgement at a later stage when they do obtain these although the figures may still be open to Challenge! The answer i would like to see is what happens to those who have been put in this position?(posted 8646 days ago)Charles Twford