If you have had no contact for 8 years then I think you should ask them (C&G) why they are pursuing this claim in the light of the Council of Mortgage Lenders voluntary code to limit pursuit to 6 years after the sale of the repossessed property.(posted 7973 days ago)There is plenty of sound advice on this site concerning how to fight shortfall claims which is worth following. Similarly you can argue that the MIG portion of their claim is now statute barred. Remember though that knowledge is strength. I think that you will have to reply to their attempts to trace you, but in doing so you must avoid any acknowledgement of debt.