national home loans still chasing shortfall after 9 years

house valued at £125,000 in 1992, tried to sell for £110,000, reposessed by nhl on sept 1992. sold by nhl in november 1992 for £73950.i was made bankrupt in 1995 and discharged in 1998. the first debt collection company (robinson way & company)wrote to my wife in october 1997 asking for the shortfall of £42296 to be repaid. contacted cab who,after the usual,various correspondence, asked for the debt to be written off.nothing heard from them again until june this year from another debt collection company (direct legal and collections)anyone heard of these? we went back to cab, she advised my wife to go bankrupt as the first option, but she can't as there is now equity in the property we now live in. second option to offer a lump sum payment as full and final settlement, and to pay this through a third party via a solicitor. cab thinks that it is unlikely they will accept, but if they did it would be as low as £2-2,500 (but we think 10%) would this be a fair assumption? and are the debt collectors working for nhl or have they bought the debt from robinson way & co.? help and answers please as we are at our wits end. we are not sure if a mop was in place as the judge said hand the keys back and that will be the end of it. It has helped a great deal too know that there are others out there, going through the same thing.

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