Well why not? I'd do it in two stages though.(posted 8543 days ago)First, write and say that you note there has been no further communication from them and that you wish to know:
a) whether they intend to issue proceedings; or b) whether they intend to write off the entire debt
And please can you know within the next 7 days.
If you don't hear anything from them, then you could write and say, that in the absence of their reply, you assume that the matter is closed and that you are not liable for any shortfall mentioned in previous correpondence.
Make sure that you send this not only to the debt collection agency/solicitors acting for the lender, but to the lender themselves, and by recorded delivery.
My reasoning behind sending two letters, is that if they do write back and say that they intend to issue proceedings, you can ask them when. They're going to have to come up with one hell of an excuse to delay matters further.
If in the event that they do issue proceedings, you have correspondence between you which you can produce in court to show their delay.
Pendle