smassie. I think you are getting yourself confused, re-read the CPR.(posted 7402 days ago)Also a shortfall is not a Speciality Debt. The Principal Sum loaned under a Mortgage Deed etc, is a Speciality Debt and subject to 12 yr limitation period. The Interest element is a Simple Contract and subject to a 6 yr limittion period.
What Johnathan was asking was , can the Halifax obtain a Summary Judgement againat him on the shortfall claim, The answer is YES.
Blucky Mick