I like many people on here have had a house repossessed (10 years ago!!).I have received many letters from the Halifax about the shortfall which is £24K..to this day i have never replied to any of the letters from either the halifax or their debt collecting agency which was Counselling intermediary services,however i have today received a letter from the Halifax saying that i will be hearing from Direct Legal& collections shortly. My dilema is...Do i now issue a SARN request or do i continue to ignore these people.

-- Glenn (mammo@blueyonder.co.uk), November 19, 2004