When, after the 3rd time of asking the lot after me said they did not have one and also that they did not need one I responded with, amoungst other things, wording similar to the following:(posted 8487 days ago)"I am advised that a money judgement is a court judgement that a borrower owes the shortfall amount remaining after lenders sold their repossessed property. Lenders are supposed to seek such a judgement from the courts shortly after they repossess. If this was not done lenders have to return to court within one year of selling the property in order to issue a summons for the shortfall."
Since this letter, dated 16th November and a second one includinga copy sent on 9th December (recorded) I HAVE HEARD NOTHING!!!!!!!!!
It seems that a money judgement IS required but they can go back at a later date to get one. However, 10 years, as in my case, would take a lot of persuasion for a judge to allow it - or so I think.
Keep on asking for ALL documents, press them about the money judgement, if you can't get hold of Carol on the phone (I have tried and failed many a time) use the site map on this site and search using Carol Riley. The top response will help you out - I hope.
Any more info required, or if you want to see the full text of my letters, let me know.
All the best