The ********** Halifax : LUSENET : Repossession : One Thread

I would have thought in this day and age that a company as big as the Halifax would use a Database. According to their solicitors they do not. The reason I am enquiring is that in July 1997 my Husband went into the building society and changed his address. He also requested that the share that were issued to him because of the mortgage be sold and the cheque sent to his new address. (Which they did). In 1999 the property he had with his ex wife was repossesed, but no contact was made with my husband. The Halifax state that they did not know where he was living and also that the Shareholder Service are unlikely to have connected your address to a morgage account on a different property. We have also noticed from the paperwork received from SARN served on the Halifax that the mortgage had been extended without my husbands knowledge and also court papers that have stated that the defendent appeared in person at the court hearing, but my husband never did. Is there anything we can use, we are desperate.

-- Christine Singleton (, October 02, 2002



First of all calm down and read the sections on this site, it seems to be that the Halifax are guilty of a lot of procedural errors that you can use to your advantage. You have not mentioned the amount of the "alleged debt" or any of the background of the case, ie when did you receive the first communication from the Halifax etc etc. Once you post this I am sure that you will get some help from other people in your position. Btw it is not normal practise for different sections of the same bank to share information, the people dealing with the shares would not share that information with the mortgage side. Was his ex wife still living in the property after the break up, as the extension to the mortgage and the personal attendance hearing may have had something to do with her. Also mortgages can be extended by the mortgage co if circumstances change, for instance if your mortgage was a "low start" ie if the payments were deferred until later on in the mortgage, and you default then the mortgage company can and will change the mortgage to their normal rate etc etc. As to your second posting, it may be that the Halifax has passed your details to these people. Hope this helps Regards

-- John (, October 02, 2002.

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