Reading your email i do agree with LEE on the points he raises in his answers,but do you have any Annual Statements for those years ,they would show any alleged arrears for that period?1996-1997-1998 If you cannot find them request them from your Building Society by recorded delivery can phone first if you want,but still send letter(posted 9225 days ago)After all this if you are still not convinced,there are arrears.the next stage is contact an Accountant to check and verify the figures if you do not know one, I can put you in touch with an account who will do you a report for court after he has certified the figures as being correct of course
best of luck Please email me if any points you wish to clarify
Charles