hi a similar thing happened to me withthe halifax i handed the keys in then didnt hear anything, then out of the blue approx a year later i received a letter stating they had sold my house for a measly 11k and i owed them 25k i had to negociate a price and settled on 5k for a settlement,just be aware that they will all of a sudden contact you, all the best(posted 7614 days ago)