Yes its defo unsecured part i am being chased for. Dont know whats happening with the mortgage part. Im pretty sure they cant touch me anyway so they have been blanked.

Thanks a lot for your advice and time maroondevo52 Id also like to hear of anyone out there who has had a similar situation and how they played it. Cheers

Ive not checked my credit report yet. I will be doing that online tonight , hopefully i can find a free service. If the debt is statute barred and they are just chancers, would it do any harm to simply ignore the letter? Cheers.

Hi thanks for the quick reply maroondevo52. I have not acknowledged the debt since 2007 and have not heard anything regarding the mortgage. If the debt is statute barred, why have i received this letter and should i respond? Cheers

Hi , i am looking for advice regarding a debt i am being chased for. Back in 2006, i took out the together mortgage with northern rock. Part of this was an unsecured loan. To cut a long story short,by 2007, i couldn't afford it any more and i left the house and the debt behind and tried to get on with my life. I realise now that what i was actually doing was burying my head in the sand! I heard nothing more about it until today when i received a letter from "drydensfairfax solicitors" saying i was still liable for the unsecured loan element.(£20881.52) From reading through various forums and message boards I have learned that after 5 years in scotland unsecured debt becomes statute barred. However I am confused as I see that mortgages may be slightly different. There is no mention whatsoever of the rest of the mortgage in the letter. Any advice on what my next course of action should be would be of great help.