That's great its what I suspected it would be. I will let them stretch their legs and see how determined they are prepared to be at which point a sar request will be issued and everything will be assessed in finer detail. Including the private detective they hired and charged me for so they didn't have to pay out any payment protection insurance on my large mortgage but that's another story.

I received a letter out of the blue recently for a 10 year old mortgage shortfall running in the tens of thousands I wont post up the company details but they are a full member of the council of mortgage lenders. I owned a property with my former partner on a joint mortgage who passed away suddenly over 4 years ago leaving me with 2 small children to bring up on my own. We thought we were insured for payment protection but it did not cover pre existing illnesses for my partners epilepsy. I shut my company to support her through a very difficult time so you get the picture of how things changed quickly at that time. Over the last 10 years my circumstances have not changed at all after the big collapse in 2007 I ignore any type of finance and credit and do not subscribe to anything. I have no assets and perform voluntary work whenever required I own nothing and like to keep it that way. I have a great life without it and we are very lucky to have a supporting network around me. This is a reminder of everything I had once and left behind so I would appreciate any advice on how to best react to this. My first thought is to simply ignore it and let them stretch their legs in the hope that I respond to them which isn't very likely. This is the first correspondence I have received in all of this time since the property was repossessed. This is likely to do with me not being registered anywhere so I would love to know how they tracked me here I am fascinated. I would appreciate any views on the matter if you have enough to go on from the information I have provided so far.