Hi Lee,(posted 8006 days ago)From what you say there was a gap of 9 years between being repossessed and contacting you. You don't say who your lender is, but assuming they sold your property shortly after the repossession, then the first thought would be are they a member of the Council of MOrtgage Lenders? If they are, then I would suggest that you write to the lender direct and point out to them that they have agreed to a six year limit for chasing shortfall claims.
I would advise you to deal direct with the lender anyway, since debt collection agencies have few scruples about honest dealing as far as I can judge.
Depending on how your lender replies, you may then be best advised to serve a SARN on them in order to obtain details of what they did with your property and how their claim is made up.
Read the section on repossession here and follow the advice it gives.