A property was sold through a mortgagee sale with HMC approximately 6 years ago. I now live in New Zealand. The shortfall was 20,000 pounds, my issue is I have never been able to establish contact with HMC. The only letters I have ever received was income and expenditure requests. I have written on numerous occasions with questions are I never recieve a reply to my questions. I now see from the business letterhead that the company to write to is now Davis and Co. But I still can not get a reply even when I telephone. I believe I have a right to receive an answer to the basic questions of what is owing, what are my options, can I be made bankrupt in the UK while living in New Zealand,and is there a limitation period on a debt that after a certain period HMC cannot chase me for the money.(posted 8169 days ago)In addition when the mortgagee sale occurred HMC had allowed my ex-husband to continue to occupy the property for some 18 months while not making repayments allowing the social services to pay the interest on the interest. This never in my best interest and it seems to me that HMC allowed this debt to increase as they did not want the property empty while there was a recession on. Again during this time I could not get any information out of HMC.