Pat(posted 7136 days ago)Living in Scotland now I don;t think has any bearing as I imagine English/Welsh law will apply. But you need to check if the Abbey alleged shortfall is time barred. So you need to follow all the procedures set out on this website. First of all SARN them and take it from there. You could write back to them and simply advise you do not understand the contents of their letter and if they could use more simplified language. As always do state clearly that you do not admit liability for the alleged debt and have "without prejudice" as your heading.
But first and foremost you need to clarify dates and the 6/12 year rule issue.
Good luck
Moira