6yrconfusion.adviceneeded.

My house was reposessed in 1990(jan)heard nothing until nov 1998.Asking for 22k totally out of the blue.due to fright i negotiated 5k @ £50 instalments and paid about 10 inst during 2 years then told them after learning about this site and the namv etc that i wasnt prepared to pay anymore and i have recently instructed namv to represent me.Do you think i have wavered any rights to 6 yr/12yr rule if it exists anyway.The lender is cibc/hmc/abbey/davis&co.All advice appreciated.

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