Yes, I see what you're getting at with this, and it does make sense, and it all goes to highlight the real possibility that the lenders' stance over many alleged shortfall debts ('We don't need a money judgement') could be flawed (i.e. not withstand a Court of Appeal judgement, especially given the undue delay which seems to be feature of so many of our 'cases').(posted 8428 days ago)One thing: how do you know that your lender claimed on the MIG? Is this information Halifax gave out willingly? (Because I don't think that Abbey does.) I'd be really interested to know how you found out.