Abbey National / DLA Bradford - Being totally misled by one or both

My wife and I handed back the keys to our flat to the Abbey National in what we were advised was considered a voluntary repossession. We left forwarding addresses at that time and contact telephone numbers. Some years later DLA wrote to me demanding a vast sum of money. This sum covered the shortfall between the selling price and the outstanding mortgage, interest amounts and property maintenance. DLA refused to answer my legitimate questions in written replies and fired back intimidatory and threatening letters. The upshot of all this is that I have taken on the debt as demanded and pay DLA a modest monthly fee. My wife and I are now amicably divored and I have no wish to spoil our friendly relationship. DLA wrote to me just recently and invited me to make an offer in full and final settlement on the debt. If I do this and any offer I make is accepted, will these cunning people write to my ex wife and demand money from her with menaces. Notwithstanding, we had mortgage protection insurance which we were led to believe covered just such an eventuality. Would the Abbey National have been re-imbursed by the insurers ? What questions must I insist DLA answer about the original sale of our vacated property. I hope contributors to this forum understand my situation and are able to assist. Many thanks

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