George, I had exactly the same combination . Experto wrote to me first in Feb 99 the property was sold in Jun 92. I had about 3 letters the final one stating if no reply within 10 days of letter they were to provide service in the form of a High court writ. Failure to attend court will involve High Court Sherrifs attending your premises to remove goods. A Solicitor then wrote a holding letter ( We were dealing with the Halifax at the time for the Mortgage Shortfall). I never heard from Experto ever again. Now over 2 years later (21 May 2001) a letter turns up from Curtis Solicitors to say that the RSA have passed the file to them for recovery of the Indemnity. Experto do not seem a very professional outfit at all I kept some of the envelopes they sent their correspondence in and it looks like a child wrote the addresses on. Incidently I did negotiate with the Halifax for the shortfall on the mortgage, will now be defending my position with the RSA. Regards(posted 8317 days ago)Mark