Thanks for the info Gordan. The payout from the insurer to the Halifax is confirmed and is probably just short of six years as we speak. The amount they are claiming as shortfall is exactly the same as this payment so does this mean it is now as simple debt .(posted 7969 days ago)As I understand it, once a lender receives a claim, they are then chasing you for a simple rather than a speciality debt as in the case of a mortgage. I have assumed no liability to the debt to date but would like to know how to respond to the lender in light of this information.