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Response to 12 year Expiry

from Chris (chrsh@email.com)
Forgive me if I am being dense, but you state that the 12 year limit was reached in March of this year and that you hadn't been contacted up until then.

Then you tell us about the "40 or so" letters you have received since May 1999.

If these 40 or so letters are in respect of your mortgage then you can't claim the 12 years has passed without the lender pursuing the debt (note the subtle difference to taking legal action). In other words, if they have been writing to you before the 12 years is up then you can't claim the 12 year rule has kicked in. After all, it's not the lenders fault that you haven't responded to the letters.

I suspect you've done yourself no favours by ignoring these letters - your best bet would be to read through the advice on this site about how to deal with pursuit of shortfall and then follow it...

(posted 7613 days ago)

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