Confusion on 6 year rule-Bristol&West

I am confused about 6 yr rule. Handed keys back in early 1994 - last mortgage payment was 31/1/94 - have not heard anything from B&W until Jan 2002. Told me they sold property and told me shortfall amount but have not said WHEN sold. I think could have been 1996 as endowment policy I had tied to mortgage was "cash surrendered" to B&W in June 1996. Is it fair to assume this was when property was sold?? Reason I ask is six years from date of sale (guess) would be around June 2002, six years from date of repo was 2000. They are threatening taking me to court (I live in US?)- I want to write back with a SARN and a letter asking for info about sale, marketing practices etc - should I do this or would I be making contact within six years of date of sale and therefore opening up a can of worms?? Also, does anyone know if mortgages written between 1988 and 1991 were contracts under seal thereby having the 12 year problem?? Please, please offer any advice you can as I am confused. Many thanks

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