Did your lender wait years before contacting you?

I'm collecting information about the reasons given by lenders (especially Abbey) for the undue delay in contacting people about alleged shortfall debt. These reasons seem to vary rather too much to be, shall we say, credible. One person has been given three different versions of why the lender delayed in contacting him about the 'debt'. This is not an area that has been much researched before, and I would like to follow it up, with your help. I'd also like to hear from people who didn't receive proper notifications from lenders about the repo & sale, especially where you can demonstrate that the lender must have known your address. Thanks. Eleanor.

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