Thanks all for the reply The next letter I get from them, they will get one of the "statute barred" letters that are examples on here I *will* come back and let you know the outcome, and pass on the info to others needing to know on here Many Thanks

I have never made a payment on the shortfall, and probably before the house was repossessed, it was about 6 months before that, that anything was paid. I have never acknowledged any debt, I have just binned any letters. The reason for never acknowledging, is that even though my ex was never on the mortgage, he sure as hell benefitted from ALL of the money on the second mortgage against the house, so why should *I* pay that back? Secondly, they had my house, they were getting nothing else from me. However, I am due to get married at the end of February next year, and really don't want it hanging over my head, I am pretty sure they cannot claim anything that belongs to my current partner, and I have ensured that I am not on any joint credit agreements (except for a current account with barely anything in there, its used for paying bills), I am not on the mortgage, it is solely in my current partners name.

Hi Thanks for your reply. I have not paid any money at all since the house was repossessed, nor have I acknowledged the debt either. So what is confusing me is: 1. Does the clock start ticking from the last payment I made? 2. Does the clock start ticking from the day the house was repossessed? 3. Does the clock start ticking from the day the house was sold? If its 1. Then I am already over the SB If its 2. The end of January next year If its 3. I have no idea when it was sold.

Thanks for the one reply I have had :)However, Bankruptcy really is not a road I can go down.Does anyone else have any suggestions?Thanks!

Hi I was wondering if you could help please. I had my home repossessed in Jan 1999. Basically a second loan was taken out on the house by my idiot of an ex, I did not see any of the money from it. Unfortunately I was the only person listed on the mortgage, due to financial indiscretions of his (should have told me something huh!) The only time that I have "accepted" the debt, was in reply to a repossession order to the court. I have received letters over the years from Halifax and/or their representatives/debt companies. I have ignored them, or sent them back "not at this address" I changed my name by deed poll 2 years ago (not to escape the debt, to escape the ex!) They have now managed to trace me under my current name (Debt collection company) Given that I think they are coming up against the Statute of Limitations in Jan next year (just 2 months away). What would your advice be? Ignore the letters? Or make an offer? The debt is £13,000. I have no assets, as I have refused to have my name put on another mortgage because I am aware they can have a charging order, or even repossession order for any other property with my name against it. I have a few questions: Does the clock start on the statute of limitations from Repossession date, or from date of them "informing" me of the shortfall. Because certainly in the early days I do not recall any letters from Halifax. I have never replied to their letters, I have never admitted the debt post Repossession. Advice? Many Thanks T