I defaulted on joint mortgage 1989. Being chased for MIG of 22k by RSA. (Their solicitors: Curtis). Letters to and from collections agency and solicitors between 1998 and 2002. I did not acknowledge debt or make payments. Under the Act, as I understand it, they have 12 years to sue (or, depending on which research source you read) "commence proceedings". Are these one and the same ? Do they have 12 years to write to me or 12 years to get an official court summons ?(posted 7649 days ago)Heard nothing since September 2002. (Which even by my rubbish maths is 13 years post-default).
Advice as to whether this will remain with me for ever or whether I will ever be free will be most welcome.
Richard