6 year and 12 year rulings ABBEY

My mortgage was covered by a MIG policy, the premiums of which were unpaid by my ex, so the Insurers state "the policy has been cancelled with no value attaching and the society is no longer on risk" I have read on these pages that shortfall created after repossession is simple contract debt, as the mortgage deed is discharged, so under the law of limitations act 1980 where 6 years is the time scale, this case is statute barred. Their solicitors say:the date is calculated from the last date of confirmed contact ie six years from the last correspondence received by ourselves from you or six years from the receipt of the last payment made. As I have never written to them until Feb 2000,and my ex paid them last in 93,where do I stand??

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