I (and my now ex-husband) had a house repossessed back in 1998.
There was negative equity of around 25k.
I made a full and final settlement offer of 2.5k which was accepted in July 1999.
It was paid and I had a letter confirming the debt was settled.
I cannot find this letter.
19 years later with no contact from them whatsoever, both Halifax and Moorcroft write me letters.
Moorcroft have asked me to pay 18k.
Am I right in thinking that as no contact has been made for more than 12 years, that I do not have to pay?
As iy was full and final anyway, surely yhay counts for something?
Would Halifax have records which would have a copy of correspondence from back then?