Just to let you know I have it in writing from the Halifax that they will accept £3,500 in full and final settlement of the £17000 debt.(posted 7570 days ago)This will be paid in £10 installments for the next 4 years and after that we will increase the payments to clear the debt of quicker. We have it all in writing so they cannot back out.
Cheers again to all. I am out of here now!