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Extremely old.mortgage debt Halifax and Moorcroft


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I (and my now ex-husband) had a house repossessed back in 1998.

There was negative equity of around 25k.

 

I made a full and final settlement offer of 2.5k which was accepted in July 1999.

It was paid and I had a letter confirming the debt was settled.

I cannot find this letter.

 

19 years later with no contact from them whatsoever, both Halifax and Moorcroft write me letters.

Moorcroft have asked me to pay 18k.

 

Am I right in thinking that as no contact has been made for more than 12 years, that I do not have to pay?

As iy was full and final anyway, surely yhay counts for something?

 

Would Halifax have records which would have a copy of correspondence from back then?

Edited by dx100uk
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seems like Halifax are wasting money on a very old portfolio of these using a powerless dca that have zero powers

 

very safe to ignore

https://www.consumeractiongroup.co.uk/forum/showthread.php?487599-Halifax-and-moorcroft-dca-after-9-years!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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