Response to Halifax/Counselling Intermediary Services

CIS may have bought the [alleged]debt, although they can and do act as simple debt collectors. No pun intended... When was the repo? It is very unlikely that they want 25k. If you do not wish to contest the shortfall, merely the amount of it,then I would suggest your husband makes them a full and final offer...all to be confirmed in writing by them etc etc. If he still speaks with his ex-wife, they should join forces and do this together, otherwise either party can settle without the other, leaving the other party to fight the long fight. Halifax are not overly eager to go to court if they can get a good settlement at the outset, as far as I can see. Alternatively, read this site from top to bottom and start the SARN ball rolling.

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