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Need help quoting Acts for 6 year rule please.

from (dav64@yahoo.com)
I am being chased for a shortall debt by nationwide for £10,000. I have done all the data protection stuff as advised on this site and have been provided with all the documents by Nationwide. I handed the keys in for my flat in september 94. I entered into correspondence with them for 3 months following that. I had lost my job but was still able to recieve mail from that address because a friend still worked there. The last correspondence I recieved was in december 94. My friend then also left that job. In the documents that I was sent following the SARN was a letter dated february 95 stating that the flat had been sold for £10,000 less than I bought it for. This was also the last letter that they sent out until June 2001 when a debt recovery firm contacted me on behalf of Nationwide. They are stating that as I entered into correspondence following repossesion for 3 months that contact has been within the voluntary 6 year period and that once contact has been made they have 12 years to recover the shortfall (section 20 of the limitation act 1980). My argument is to be that over 6 years has passed since their last letter in feb 95 (which I never received) and the letter from the debt recovery firm in june 2001. I have been at my current address for over 6 years. Does anyone have any advice for me? I would like to quote relevant Acts in my next letter (Human Rights etc) so would appreciate anyones views on this. I have yet to return the I&E forms but can they legally make me do this?
(posted 8189 days ago)

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