I have contacted the court though, this is how I received a copy of the CCJ, so they are aware I live at tmy current addres

Hi all, I can see what you are saying, so will apply for the subject access request. PostGGJ - The Mortgage was with TSB, but TSB are now Lloyds TSB, so I should really go to Lloyds TSB head office or the branch where my account was held... if they are still there? Elll-Enn, just so you are aware, the CCJ was claimed at my current address in Jan 2008, I did get a visit (whilst I was not in, in 2009 asking me to contact the court, but I did not as was unsure of the consequences of that action)

Hi, many thanks again, this is all new unchartered territory for me & I am glad for the navigation assistance, do I write to the address on the CCJ which is Gloucester GL4 3RL?

Hi again, as last said, not 100% sure when the last payment was made, I said end of 1994, but sayingthat though it must have been after this as they woyuld not have waited 2 years to repossess... I would never be able to find this out unless I asked for copies of them frm Lloyds TSB.

Do I have a case against Lloyds if the claim was taken out 12 years after the repossesion order? The property was repossesed 16/08/96 & sold on 15/1196, judgement was passed on 25/02/08.

Hi, The CCJ was awarded in Jan 2008

Hi, I think the last payment was made in 1994, bu to be truthful, I could not guarantee thatas I have discarded all of my TSB documents... a bit silly of me. I never gave them my new address, I suspect they got it from the electorial register or from one ofthe credit reference agencies as they track your adresses don't they?

I will indeed check out the land registry over this coming weekend, its worth it if I can throw this back on them, It would be a nice surprise if it appreciated in value even in such bad times (that was the height of the last recession)

Nice thing about the snow..I get to work from home Thanks for your responses, I have made no acknowledgement of the debt whatsoever even to this date. I just feel nowI should tackle this thing head on as its causing me undue stress...

Hi, the date of repossesion was 15/11/96, the mortgage was taken out on 31/08/90

Hi, Sorry for late response & many thanks for yor mail, here are some answers:- The Mortgage was taken out in Aug '90 / Repossesion was Nov 96, they say the property was sold for £25k, the mortgage outstanding was £42.9k, the interest is running at 8% PA Not sure about the notice of action, I have moved at least 5 times since I was at the property, so if I did, I never recevied anything, I found out about the debt in 2006 (approximately) after being chased by a Manchester debt collector, when I did not respond they must have gone back to Lloyds who then took out the CCJ my employers did a 'background check' on me when they employed me (new security rules so they say...) & this materialised. I also thought they did not have a leg to stand on, but I know better now.. The Mortgage was with TSB bank Plc, the CCJ is with Lloyds Bank Plc.... very strange I have never acknowledged the debt because I knews that would get me into even deeper water without a solicitor...which would have made it twice as bad. Jesus! 28k of interest.... WTF....can they really do that?? Do you think they are just trying to see what they can get using scare mongering of the little guy tactics. So you really think my current property is at stake?It really is time to take my head out of the sand & tackle this once & for all, I'll try to draft a letter over the weekend & forward to them on your advice Thanks for the advice re: the Land registry details too, I will indeed have a look, any money I can get back will be les money I owe in the long run. I'll ask get onto that right now Many thanks again

HELP!!!! I am at my wits end, I took out a mortgage with TSB in the late 1980's, I got to stage where I could not afford to live in the property so rented it out to the council, after about 6 months the tenant started to shirk on his responsibilities so the council did not pay me. I could not pay the mortgage & like an ididot did nothing about it. The flat was reposessed without my knowledge. after a couple of years ad passed I just thought it had all squared itself up, flat worth against mortgage due.....NO, TSB (Lloyds) are now pursuing me for 28k!! The mortgage was only £38k & the property was worth about £50k (at the time), what did they sell the property for that I still owe them £28k!! I have never acknowledged the debt even though they have been chasing for about 4 years & issued a CCJ in 2008. My issue is, I work in the Financial Services Industry & my employers are now forcing me to aknowledge to them that the debt is mine (I could lose my job....) I'm scared if I do, I am going to be liable for the whole sum & could be jobless...all my worst nightmares at once come true... I'd rather emigrate quite frankly. I know it was stupid of me to ignore the debt, but now I'm really up pooh creek.. Your advice would be most gratefully appreciated.