Hi,(posted 7789 days ago)Goodness me can't quite believe the events of these last 2 months! I bought a flat in 1991 for £29K and stayed for 6 months until repossession. The whole thing was a shambles from start to finish and i was glad to get out. In Nov 2002, 11 YEARS LATER, received letter from Allied International (Debt Collectors) saying i owed at debt of £5377 and that this debt must be paid in full immediately! Could not believe my eyes! Not only did this happen 11 and a half years ago, this was the first i had heard from anyone about this alleged debt, not even a letter from National Home Loans in all this time. I havnt been hiding, far from it, I have never moved from the area and currently live 100 yards away from the repossesed flat, at the moment. At the same moment the phone rang and it was Mr Watson, calling from Allied In. telling me that i owe this to National Home Loans as a shortfall in the mortgage and i had 7 days to pay. I told him i wanted proof and he said it would cost me £300 to see the proof. At this i told him that by no means would i pay anything wihtout knowing where it was coming from, he then said to me that he would drop the debt to £1000 and call it quits and i had to get back to him with the answer within 48 hours. I sought legal advice and contacted CAB, and i am currently very confused about the 6 and 12 year law, which applys? etc, I live in Scotland and the flat is in Scotland. Can someone give me advice? they are beginning to threatin me with agents calling to my house etc . I have not admitted this debt and i havnt denied it either all i want is proof, if i owe something i pay it! PLEASE HELP
Thank you so much
Sandy