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Response to National Home Loans through Allied International Credit are demanding money are they acting legally?

from M Amos (idgroms@hotmail.com)
Steve,

Did you have any contact whatsoever with the lender from the time of your first missed mortgage payments to 20/5/2003 ? If you didn't (and any possible ex didn't make a part payment if it was a joint mortgage) this debt may well be statute barred, and the CML 6 year voluntary code may apply too. In ANY communications ensure you state that you do not acknowledge the debt, that you dispute the alleged debt and deny liability, and write "Without prejudice" on any letters too. If you first wrote to them on 21/05/03 and 12 years have already passed prior to this date since your missed mortgage payments e.g. 21/01/91 - 21/01/03 I don't think that there is any danger that you would have acknowledged the debt as it should have already been statute barred, but please double check this with a professional advisor, although I will double check this too myself. If you have any more questions just post them up. Good Luck.

Mark.

(posted 7578 days ago)

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