It seems that the Law Society (the professional body for solicitors in England and Wales is to recommend that there should be a 3 year limitation period after repossession for the recovery of any outstanding debt.(posted 8585 days ago)Full report at:
http://www.lawsociety.org.uk/dcs/fourth_tier.asp?section_id=3707&Caller_ID=NS75
I will be writing to the Law Society to express my support for their recommendations.
The Law Society web site also has very relevant information for mortgage shortfall victims and the Human Rights Act:
http://www.lawsociety.org.uk/dcs/fourth_tier.asp?section_id=3446&Caller_ID=NS200
and they provide a link to the Government's HRA site:
www.homeoffice.gov.uk/hract.
Regards,