9 years ao we voluntarily repossesed ourselves (due to overcrowding) after about 4 years Cheltenham and Gloucester started to chase us for money after the sale of the flat, Their was a shortfall of approx £32,000. The debt was divided into two parts, the insurance (which was about £13,000) and the mortgage of the rest. The first chase got refered to a debt collector was only for the insurance and after it got heavy we cleared the debt in full and final. In 2002 C&G started to chase for the mortgage part but to this day we have not responded or acknowledge this debt. Yesterday I recieved a letter from Davis Coleman Legal and Financial Investigations, saying he is paying us a visit this saturday at 11 am. to discuss a payement programme.(posted 7345 days ago)My questions are.
Can they just turn up if I do not reply to this letter ? Do I still come under the 12 year rule, as I paid off the first debt which was linked is it still classed as the same debt? We moved house again three years ago we thought that it would take a while for C&G to catch up with us again, especially as we never reply to their letters, how come that within 1 week of moving they had our correct address, even though we had not registered on the electrol register.
Any advice on what I should do now, as I would prefer not to give them a penny.