Hi all, I've recently been contacted by Henderson Booth & Snell on behalf of the Halifax for a mortgage shortfall from 1994. I'm awaiting their information from a SARN I sent them. My SARN to them (apart from their 'found you' letter & phone call to me) has been the only contact so far and I have never had any contact with the Halifax since I wrote to them telling them I could not repay the mortgage and requesting they take possession.(posted 7992 days ago)If I SARN the Halifax once I receive back information from the debt agency (to proove they are working for the Halifax rather than themselves if they purchased the debt) will this act as an admission of guilt by me? Am I jeopardising any rights by contacting them?
I think I've read more opinion that the 12 years rule for the lender to collect the outstanding shortfall is NOT restarted when contact is made within the 12 years - is that right?
Last question, if I negotiate a (partial) lump sum settlement with Hendersons then would this be publicised in any way? There were other creditors (HP, bank loan etc) at the time that I'm worried a mortgage shortfall settlement could advertise my presence to.
Many thanks!