Hi Hussain,(posted 7922 days ago)As it is now 7 years since the 'alleged' debt, check whether the people you borrowed the original mortgage from are members of the Council of Mortgage Lenders - if they are they have agreed not to chase if first contact was not made within six years of becoming aware of the debt. If they are not, they have 12 years to chase, as you have not agreed to the alleged debt by making payments, etc. follow the advice under the Repossession Section on this site. Please do not let these people throw you back into your depression again, the letters they send are standard and apply and are repeated, time and time again to put pressure on people. Good luck, please remember you are not alone.