First things first - does your Lender subscribe to the six year voluntary code they all bleat on about but conveniently ignore when they find you? If not, the rest is irrelevant to an extent. If they do, then you are entitled to know when the property was sold. Ask them! Whether your mortgage was a contract under seal may depend on your Lender, but many sold in the late eighties and early nineties through centralised Lender's were not. Most, if not all sold through B/Societies were.(posted 8093 days ago)If you live in the US and are not coming back to the UK, what can they do to you really? They will not (cannot) take you to Court in the US, so any UK judgement will just sit there and fester until you return. I am currently looking into this for someone else - i.e. the matter of how long a judgement can be held as extant.If a judgement has a shelf-life, it may be in everyone's interest to get one immediately after a repo. I have a feeling, (and this is what is taking the time to find out,) that a judgement does something to a specialty debt in terms of it's legal definition. If it does, then maybe it can be used to our advantage. I will email the person concerned first with the info when I find out, then post here.