No one can come into your home without your permission or a search warrant. You don't have to tell them anything, & you must certainly not admit the debt in any way, especially when you're so close to the 12 year limit.(posted 8743 days ago)Indeed, if you've been 'chased' for a shortfall for the past 11 years, you should consult a solicitor to find out whether C&G are out of time to claim against you: they have a maximum of 12 years to pursue you, which some people say is measured not from the date of repossession or sale of the property, but from when you last made a payment on your mortgage or 'acknowledged the debt'. (The terms of most mortgages state that the full amount of the mortgage becomes due if you break any of the terms of mortgage, such as make a late payment, & the 12 years is measured from 'when the debt became due').
There's often a year or more in time between when you gave up paying & when your house is finally sold after repossession. So you might be worrying about nothing - indeed, it sounds like C&G have got more to worry about than you do. Hang in there!...
Mark