I'm afraid that Abbey's 'concessions' appear to be something of a con trick - all spin and PR and no substance. If you ring the help line you get put though to a 'borrower settlement' officer! No-one I know has benefited from the 'writing off of shortfall debt'. Only today I received another letter from Abbey demanding money I don't have. This was accompanied by a few (mostly illegible) photocopies, which are meant to constitute 'proof' of their claim. BUT it is possible to turn this against Abbey. All you folks out there who find that their situations are far from improved, please contact the journalist who ran the story: Clare.Hall@mailonsunday.co.uk(posted 8588 days ago)Thanks, Eleanor.