Some 14 years ago my flat was repocessed a few years later dlc contacted me looking for the debt although the halifax was insured against the loss I had to cover the remainder, I have always paid a minimal amount every month, every year they contact me to increase my payments and are very heavy handed about it, todayI received a letter telling me that as I have failed to fill out the life tyle report as requested they have instructed an agent to call and see me.(posted 7303 days ago)This debt occured before I met my husband and is in my maiden name and my husband feels he should not be punished financialy for the debt has any one any advise