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Response to Settled with Halifax and moving on

from Gordon Bennet (arsenewhinger@hotmail.com)
Congratulations on your successful closure of your problem with the Halifax. I hope that you really have finished with them and that they don't re-surface later on as some of the advice on this site suggests that they might. Have you obtained an unequivocal assurance from them that their claim has been fully met and renouncing any further attempts to recover the 87% they appear from your comments to have written off? I wonder also if part of the claim they were making was made up of MIG payout by the Royal Sun Alliance? If so I would be wary of the RSA suddenly taking up the chase. What would be extremely useful to know for myself and other Halifax borrowers are some of the details about how you managed to arrive at settlement. For example, did you fill out an I & E form and negotiate on the basis of low income? If you gave them no income details how many offers and counter offers did you go through? How did you make an offer or offers without accepting liability for the debt? Did you use a solicitor as an intermediary? It would be useful to know how much the claim was originally for and whether or not you served SARNs and challenged the basis of items in the claim? I suspect that many of us in a similar position would settle if we could do so at 13% of the claim. Any information you are willing to divulge would be of great interest.
(posted 8018 days ago)

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