i was talking to my step mum about this who works for halifax as is really knowledgeble on shares. she said not to touch anything to do with hbos at all or halifax because 0.6 of your shares are invested into loyds and halifax shares arent doing well so your only real hope is the loyds part of your shares and if they are low its going to be a waste of time. i would only invest if the loyds shares are conciderably higher than the halifax shares.