Hi
Back in august 2008 i had my home repossessed,
I owed around £114k and the house was valued at £120k at the time.
I had the mortgage(interest only) with db mortgages.
I tried to pay off the outstanding arrears of £11k in order for them to overturn the repression the day after eviction but was turned down.
I moved back in with my parents and enroled on the electoral register and continued to work for the same employer to today.
I left them my new address which i am still at.
I then heard nothing until about 2014
i received a cheque for about £180 off them for some financial compensation but i am a bit vague about this.
There was no other contact at all i did not know what the house had sold for or if there was any shortfall.
In march 2017 i received a letter from Alev credit asking me to contact them about a £48k short fall.
This was the first time i had herd of Alev i had no idea they had taken over the debt.
They just asked politely would i contact them to arrange repayment.
I ignored them and herd nothing until may this year
a company called shoe smiths acting for Alev.
The letter was again asking me to fill in a means form and come to an arrangement to settle the debt.
I again ignored but yesterday another letter came from shoo smiths saying the same (no threat of court action).
The other strange thing is that when i have searched for the house sale i only find that i bought it in 1998 and the next time it was sold was in 2014 for £122k!
What is best to do keep ignoring them(i have never spoken to any one since 2008 so have not acknowledged the debt)?
Have they got a case or are they shaking the tree to see what fall out?