Response to Halifax/Counselling Intermediary Services

I have been dealing with CIS and the Halifax for a year now, with them trying to collect 31k. I have written without prejudice and made several offers in the region of 10% but all have been refused I have a guarantour on that mortgage which has made the situation worse. They are now close to court action (so they threaten). I am more worried about the guarantours assets than my own (married and shares ownership) Any thoughts on what may happen next? I havent used the data protection act but have tried the statute of limitations. They just become more threatening and use more legal jargon. After a while it stops you from being able to think clearly. How likely is it I will have to go to court, can I lose my house that I have now? Can the guarantour lose his house, if it is in joint ownership? I hate the Halifax!

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