Stephanie,(posted 7705 days ago)It's good news that no MJO was issued, however, as I understand it, they can still obtain one providing the debt is not statute barred. Although because more than six years have passed since repossession they would need to get leave from the court.
A solicitor's opinion is that if you were added to the mortgage at your request, or with your consent, you will certainly be joint and severally liable to the lender. He is not so sure though of your liability to the MIG insurer if the policy only covered the original applicant. I may get more on that.
I would certainly request the correspondence you mention from both the solicitor and lender. I would just write and ask in the first instance, then if they don't co-operate SARN them.
I'm afraid I don't know what the "excess accounting" may indicate.
Mark.