If the 12 years is up and you havent acknowledged the debt then they will lose in court,(posted 7003 days ago)As Curtis did to me they can allways issue a petition for bancruptcy but will not take it to court it is there last attempt to scare you into makeing an offer.
My barrister got Curtis to withdraw there petion and pay all my costs without it going to court they use bluff tactics to scare.
As my Barrister stated the 12 years starts at the 3rd default on your mortgage subject to the origanal mortgage conditions. I was repossed in 1991 see Thread weve beaten Curtis