Julie,(posted 7473 days ago)I see Lexie has already clarified things, but just to reconfirm, the limitation period will run from the date of the LAST acknowledgement or payment whether this be before repossession or afterwards. If your property was repossessed 3 years ago and you made a payment today towards the debt the 12 years would then start to run from today. Hope this is clear now. But bear in mind that if you had a joint mortgage any ex partner may acknowledge the debt for all joint partners by making a payment, but cannot acknowledge the debt for all in writing (only for him/herself). I suggest you have a look through previous postings. Hopefully, this is not applicable in your case. Good Luck.
Mark.