Being chased after 10 years by the lender and insurance company

I read with interest the other posts on your site. I had a house with the Halifax until 1989 and like others due to the drop in prices decided to go for voluntary repossession. Some years later I was being chased for the shortfall of the property being sold at auction for some rediculous amount. I went through a solicitor who managed to negotiate the £40k+ amount down to around £7k in monthly payments. I thought that was it but to my absolute horror I know discover that the insurance company Royal Sun alliance can also stake a claim and have just instructed a solicitor after failing though a "cowboy" debt agency. I will now have to start this process again they want £23k. Any advice from anyone (apart from emigrate) PS I have given up on solicitors, if they know you have hired one they assume you must have some money.

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