As all above but I thought NHL ceased to be after been bailed out via bank of england through its National Mortgage Bank (NMB) and name change to Paragon Home Loans. The letter states NHL?(posted 7568 days ago)I'd bet your shortfall claim that the 'legal owners' (very important to check assignment docs on this one) couldnt sufficently 'evidence the claim' in any court proceedings they dare take.
Incidentally £10,000 F&F for a claim of £29,000+ (30%) for a debt this old is ridiculous.
Additionally Allied International Credit are as dense as Moorcroft (dumb and untrained staff) - enough said.
Hope it works out for you.