I may be wrong...but I am pretty sure they can only chase you for the debt for 12 years!?! So I would say your laughing in this situation?

Sorry...just to add to the above...surely the Birmingham Midshires should of sent their own surveyor out???? this would then avoid this problem surely!?! When I spoke to the woman at Halifax recoveries she seemed quite shocked that they hadnt surveyed the property???

Firstly can I just apologise if this is posted in the incorrect place...I know some people get really irrated by it but I am new here and its not very self explanatory. Ok so this is a bit of a long winded story but I will try and keep it a short as poss. Basically I bought a house when I was 18. I had no previous experience in property. Didn't have parents to give me any guidance and was having the wool pulled over my eyes by the builder who I believed to be a very good friend of mine. Anyway...the funds were released on the property before the house was finished - the house was basically just walls and windows there wasnt even any gas, elec or water supply. I was paying a £730 a month mortgage on a house that I couldn't live in plus £500 renting the property I was currently living in. For a few years I panicked and buried my head in the sand (I certainly couldn't afford to take legal advised playing my mortgage, rent plus all other living costs)thinking this was the correct process and I was the one in the wrong not the solicitor, surveyor or builder! The property was finally reposed in 2008 and I am now left owing a shortfall of £90,000 on a property I have never been able to live in and no longer own. Eventually this all became too much for me and I ended up telling family members who advised I shouldnt be liable and the mortgage company should be taking it up with the surveyor or solicitor. I firstly complained via the ombudsman and Birmingham Midshires replied saying my solicitor had been negligent but it was my responsibility to go after them not theres! I have since trying to sue my solicitor found out they aren't to blame it was the surveyor who has admitted to me he went off the builders word that the work had been done!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I nearly dropped dead when he told me that! BUT I am outside of the 6 year timescale so would be unable to sue him...even though he has clearly acted negligently! So I have gone back to the Halifax recoveries team as that where the letters have all come from regarding my mortgage shortfall and advised them that the surveyor has admitted to me he took the builders word that the work had been done... My question is surely Birmingham Midshires can't enforce the outstanding CCJ if it is found the survey that they accepted was basically null and void???? Any advice that anybody could offer would be greatly appreciated as keep getting all different stories and I am just at my witts end with it all! Thanks in advance! Fiona