Hi Eleanor. I'm sorry I did not make the situation clear in my recent message. Here follows a few points to note:- i) took out joint mortgage with ex-wife in Dec 1989 for £37.000. ii) house repossessed in august 1992 (fell into arrears due to very high interest rates. iii) Property was sold on 3rd August 1994. For £16.500. iv)Received FIRST correspondense since repossession from Evesheds acting for Nationwide Building Society in June 1999 concerning mortgage shortfall claim for £45,743.41 plus interest. Hope this helps. Regards, Gary(posted 8372 days ago)