Hopefully you have not replied to Eversheds or lender as yet. Check out who your lender is and that if they are a member of the Mortgage code. If so they only have six years from the sale of property to claim the money back. However this is a voluntary code, under law they are allowed 12 years, but you can go a few extra steps to makesure that you do not have to part with any money.(posted 7820 days ago)Keep us posted there are many people who offer great advice on this site.