HBOS are the worst of all creditors to come to arrangements with concerning anything less than full payment of accounts,they much prefer you to default and pass you on to a dca.
You should however without delay write and complain to them about how they have dealt with your account especially if you where self employed with no good income .
I got a £70k mortgage shortfall written off per same but they still got it marked as satisfied with a default registered .
Im also in the process of persuing an irresponsible lending claim on all accounts i held with them .
GET YOUR COMPLAINT INTO THEM IN WRITING THEN TAKE IT FURTHER WHEN THEY TRY TO PALM YOU OFF theyre the biggest irresponsible lender of all.
I had accounts with nearly every lender out there Trust me halifax are the worst.