1) Treat customer sympathetically. The Halifax put two children basically on the street, then gave my husband and myself 72 hours to come up with 3200.00, when we had offered to pay the arrears but sell the property ourselves. 2) Proof of evidence. The Halifax only listed a row of numbers and descriptions but no evidence to prove the figures. 3) Look again at outstanding debts and reach a compromise. The Halifax have agreed to take 50% of the shortfall, but would (it seems) not accept the once and for all settlement unless we filled in a S.O.F. which asked for Bank Account Details and also the Reg. Number of our car. 4) Inform borrowers of their debt as soon as the property is sold. The Halifax did not inform us that the property was to be sold in the first place and then it took a phone call from my husbands ex-wife to ask us to store her stuff in our garage the day before she was to be evicted. We knew nothing about the mortgage problems or the repossesion. We were notified approx. 10 months after the sale. 5) Ensure that MIG is for Lenders' benefit. Cannot acctually comment on that until we get the Subject Data Access report back from the Halifax as my husband cannot remember whether he paid that or not.(posted 8585 days ago)Never the less to say that the Halifax follow the 5 points is a joke. 4 out of 5 they do not follow ( unless they do their sums they way they balance the books when it comes to the shortfall figures)