My house was repossessed in 1992 after the breakdown of my marriage. I recieved a letter from the Alliance and Leicester for a shortfall settlement for B#18450.21. in February 1995. I asked them for receipts for the amount claimed, for which they replied they were not obligated to provide, so I instructed a solicitor to write to them; I recieved a reply several months later. The receipts did not match the claimed amount. I have scince received no corrispondence from them, and I have not persued it. I now want to apply for another mortage and ask:(posted 8566 days ago)a) Is the six year rule enforcable as they contacted me in 1995 although my house was repossessed in 1992? b) could they argue that it is my fault as I did not respond to there letter recieved by my solicitor? c) If I apply for a mortage, will the Alliance and Leicester get to know about it and begin proceedings against me for the B#18450.21.? d) Does the defaulted amount of B#18450.21 ever get writen off?
Thanks