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memail

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  1. Thanks Stella, Citizen and DX, Really quick response is much appreciated, and all supports the reading up I have have been doing on the matter. Always great to get some real life views and thoughts on the matter. And don't fret DX, I am certainly not going to get mugged off by this bunch. I was actually amazed to see any company who would be picking up such an old debt. Have a fab evening all. Out of interest, want me to PM on outcome when it is finally reached? Cheers
  2. Good Evening, I am new to the forum and have found some really useful information and helpful people so thought I would seek some advice if someone can point me in the right direction please. I have received a couple of letters from Dryden Fairfax Solicitors chasing an old mortgage debt on behalf of Lloyds Banks. I have not had a mortgage with this company since before 1998. They are asking for over £7k shortfall in the sale of the property from 17 years ago and are saying that I have made payments previously and these payments are an admission of liability, this is just not true. I was declared bankrupt around this time and we lost our family home. The mortgage debt was declared in the bankruptcy declarations and home was repossessed by Lloyds. Should I be surprised that they are chasing me now after so long? Am I under any legal obligation to pay of this amount after so long and the fact the mortgage was declared in bankruptcy proceedings? The solicitors is threatening enforcement and court action including Charging Orders, Attachment of Earnings and Warrant of Control. I have never received any contact from Llyods or any other company previously regarding this debt. Any help or direction anyone could offer would be much appreciated. This was a really hard time for us 17 years ago and this company dredging it up after so long has left me extremely anxious. Thanks for any help.
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