Many thanks to those who responded to my original question. Here's a little more info:(posted 8573 days ago)The house was reposessed in Feb 1993 but not sold until Nov 1994 so when the debt collectors contacted us in April this year they claiming that we were still within the 6 six rule as it counts from the date of sale. My wife has not been sued yet, but we have received a solicitors letter giving us 14 days before they advise their client (Halifax) to take court proceedings. They are unwilling or unable to provide proof that they do indeed represent the Halifax or a breakdown of the figures.
My wife is a house wife with no income excepting what I give her, and only has her name on the mortgage because our current lenders wanted it so. Any payback will effectively come from me, short of them taking the house. The whole thing feels rather immoral. Why haven't they contacted us before? Why has the Halifax chosen to use a 3rd party rather than direct contact?
It all seems very opposite to the Advertising made by the Halifax and other big banks/building societies. I understand the debt, but not the length of time since it was incurred or the way it is done.
Andrew.