Hi Matt(posted 8180 days ago)I spoke to you before on my case. I am still no further forward. The last letter stated that they have been to my house and are now going to return to serve county court proceedings. That letter was dated 29 October 2001. I just can't understand how they could expect me to appear at a court in England. If it all comes under English Law then am I right in thinking they have 12 years in chasing the money, and 12 years from when? They first contacted me in June 2001 which is 8 years after the house was repossessed. I also don't understand in the difference of the 6 and 12 year rule - which applies? Also do I have any say in the fact that the Halifax auctioned the house for £21,000 when I paid £40,000 approximately 3 years previous. It was a brand new flat. Any more help would be greatly appreciated. Thanks