Response to urgent help needed over short-fall (repossession) claim

Ian,

As you have received a claim form from the court I really think you should get a legal professional to help, and represent you. I posted up some names and addresses before under "Is suicide the answer". You may also be entitled to legal aid. Greg is correct that they have 12 years to pursue you under the Limitation Act 1980, usually from the 2nd or 3rd default (subject to mortgage terms & conditions), it also depends whether you have acknowledged the debt or made a part payment and whether the lender obtained a Money Judgment Order. This is why it's important to have a a legal expert check over your paperwork first hand. This has been covered many times before so please read previous postings. You should also check to see whether the CML 6 year voluntary code applies in your case. I would ask whoever helps you to put the lender to strict proof, also istruct them not to acknowledge the debt on your behalf, in writing (it has happened inadvertently on occasions). Good Luck.

Mark.

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