I'm no expert, but I can offer a few amateur thoughts and opinions. I think that it is hard to actually stop them chasing you. You have to learn to live with this for a while. Remember, letters are only letters, and if you strongly suspect that the lender sold your home at under-value then this might explain the lender's reluctance to show you documentary evidence of its claim against you. You need to keep politely requesting to see the proof you require to properly assess this claim. Point out (again, politely) that you cannot help the lender until the lender helps you.(posted 8467 days ago)If you feel that the lender's claim is unfair and unwarranted, because of the way in which the lender under-sold your former home, then I can appreciate the frustration you feel at being unable to get on with your life. You could ask your MP to intercede on your behalf. A number of repossessees have done this, with some success. (Some MPs try to help to negotiate greatly reduced settlements; some help constituents prise the 'evidence' out of the lenders.)
If the lender's 'case' against you really stinks, then you have to weigh up whether the lender is ever likely to take you to court or not. (Read the whole of 'Repossession', this web site.) If you think the lender won't want to risk it, then you have nothing really to worry about. You just have to put up with silly letters arriving every so often.
If you think that the lender could take you to court and win, then you must assess your position accordingly.
I guess that there is no magic formula to stop a lender chasing a person. It's all a bit of a scandal, really, where the lenders' 'cases' do stink to high heaven.