Managed to speak to them. They said it was a computer generated letter and to ignore it. They said they are still awaiting information from their client regarding the debt and this could take some time

Do i need to reply by letter to this recent letter to confirm my address? If i fail to confirm my address can they issue claim forms to a previous address and use this to achieve a CCJ?

Whats the point of this recent letter though. Are they trying to claim theyve been in touch but got no reply and then try to use it for CCJ purposes?

Just received another letter from Arrow this morning asking me to contact Shoosmiths as they are "attempting to contact the above named person as they have reason to believe that my address is a possible address for our customer" , havent we already established this? I sent a letter by recorded delivery to them in October asking them to prove the debt as its over 12 years and also advising that i believe it to be SB if there ever was a debt. Really confused now.

So would you advise that i just sit and wait now? I sent a prove it letter so that I've covered my back if they claim to have tried to contact me at a previous address.

Im sorry i was unaware that they were powerless. I am totally new to all this and have been very worried about what they may/may not do . I hear so many horror stories of people getting CCJ's against them for this kind of stuff

i have put together a letter to Shoosmiths and sent it Special delivery today. I included in the letter a copy of the extract from the Land Registry showing the date of sale of the house i owned which was the mortgage from NR. Now i have become paranoid about this i called Shoosmiths to ask what is going on. They said they tried to call me on the 20th but got no answer. Ive never had any missed calls! They said they have passed it back to their client for more info but as yet have had no reply. They asked if i had a Together mortgage with NR. I cant recall as it was 12 years ago. They said it could be that there was an unsecured loan as part of the mortgage and that might be where the debt has come from. I reminded them that the house was sold on 15th April 2005. 12 years and 4 months ago so they are effectively flogging a dead horse. I asked why it has taken them all these years to come looking for me but they couldnt/wouldnt comment

Good point. I will get a letter sent to them first thing tomorrow

No i havnt sent them the prove it letter. After speaking to Shoosmiths on the phone in August they didnt even know where this alleged debt had come from. They had no details whatsoever and were going to go back to Arrow and get more information

Hi firstship, no i have had no correspondence from anyone in the last 12 years except this letter which has just appeared out of the blue. Shoosmiths did say that they were looking into things and had passed it back to their client for further info but ive not heard a word since August. Dont know whether i should now chase them???

My thoughts exactly. My solicitor would have been in touch straight away to tell me of any shortfall. I also had a mail redirection in place for 6 months after the sale so NR coild have contacted me way back then if something was amiss. I just cant understand why its now 10 years (according to them) actually 12 years, since the sale of the house, before they get in touch

No i didn't have any other debt with them other than the mortgage. I really don't know where this has come from

Does the 6 years only apply to repossessions? My house wasnt repossessed. I sold the house and had a solicitor deal with all financial aspects of it, including repayment of the outstanding mirtgage to NR

Ive tried to find information relating to the sale of the house but cant find anything. Im certain though that the sale was made in 2005 and not 2007 as stated in their letter. I cant help but worry as £19440 is a lot of money and i dont want baliffs banging on my door

Can anyone advise? Ive received a letter from Arrow Global informing me that they have instructed Shoosmiths Solicitors to contact me to recover £19440 for a Mortgage shortfall from a Northern Rock Mortgage in April 2007. I remember owning a house around that time and did have a Northern Rock Mortgage but to the best of my knowledge the house was sold and the Mortgage paid off in full. I have never in the last 11 years had any correspondence from anyone informing me of any shortfall from the sale, so i am somewhat bemused as to where this has come from. I no longer have any paperwork from the sale and cant even recall who i used for conveyancing. Where has this figure come from and surely the solicitor i used during the sale would not have released the keys if there was any amount outstanding and due to the mortgage provider?