Looks like my old lender Nationwide are coming after me after 13-14 years from default (not sure of date, never been disclosed) for a shortfall of 36k, threatening court action. A MIG was in place. After approx 6 years they issued a summonds but nothing came of it. Question is does that reset the 12 years rule? I myself have never communicated with them or their agents. The only contact was via a solicitor at the time of summons and another solicitor when they restarted sending demands two years ago. I did get them to a small full and final settlement but couldn't raise the cash in time. My current solicitor then talked me into sending them some info on income etc although I resisted. Could this solicitor have restarted the 12 year rule once the first 12 years had elapsed? Will start the fight tomorrow info demands/SARN/MIG etc, any advice would be welcome.(posted 7453 days ago)