As pendle says the MJO is the authoiry given by the court for them to recover the shortfall. They do need one and can return to court, in theory at any time, to get one. I would doubt though whether after long periods of time, 11 years in my case, they would be granted the MJO.(posted 8351 days ago)It is likely that when they finally take notice of your request they will simply say they do not need one. I have had this said to me after 4 letters that simply ignored my request - one dealt with nothing else!! The ones chasing me are for the insurance company and say that it does not affect their rights of subrogation. I have not denied this but maintain that they must have one in order to recover the monies whether the debt is subrogated or not. I have spoken to Carol Riley at NAMV - phone number on this site if you need it under who help - and she confirmns that it is irrelevant who is chasing. THEY MUST HAVE THE MJO.
Hope that helps but also I recommend everything else pendle says