Thanks for the information you sent Guy - my yahoo account is playing up and I can't seem to send anything at the moment. It would seem that my original argument about not being able to extend the twelve year period indefinitely is wrong. A MJO has to be obtained and then it appears they can pretty much do what they like from thereon in. Where a person (or their advisers as in my case)inadvertently or explicitly acknowledges the debt within an existing limitation period, the time clock starts again. Wow. I am still a little unclear about Voluntary Repo shortfalls that are not acknowledged in any way. I must admit I never thought I would see myself write that I have a feeling I am utterly screwed. I will post a pointer to this thread so that people read it.(posted 7945 days ago)