Thanks very much Vic and also thanks to everyone that has E-mailed me privately. I will keep everyone up to date on the progress of this.(posted 8591 days ago)Incidentally here's the latest event which only "adds insult to injury". The Halifax has now supplied further documentation. This reveals that they have charged me for all the to and fro letters that were involved in achieving the insulting offer they made to reduce the alleged debt. Their behaviour never ceases to amaze me!