Hi,(posted 7900 days ago)If they have not contacted you since 1995 and they are a member of the Council of Mortgage Lenders (CML), then under those rules they are now time-barred. You can double check if they are a member on line, under CML rules lenders who are a member of that body have agreed to only chase for shortfall amounts for 6 years, which for you ended last year. If this is the case, write back and tell them so and that you do not want to hear from them again otherwise you will consider this as a harrassment. Good luck. Chris