Response to 12 years could be forever....

When we went to the CAB for advice, they informed us that the 12 year limit started EVERY time the building society or debt collectors wrote to us. We were informed that if we didn't resolve the matter, we could end up taking the debt to the grave. One option the CAB gave to us, was to go bankrupt (By the way, if it's a joint mortgage, you both would have to go bankrupt),However in our case that would have meant losing our new home. Needless to say, we declined the CAB offer, and we are now taking the advice we have got from this site, If nothing else, at least now we have hope. We would also like to take this opportunity to thank everyone who has contributed to this site. Thanks.

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