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Hi, I'll try and keep this as short as possible. I have been contacted by DMS attempting to retrieve a shortfall on a house sale from 21st June 2007 (that's right, 7 years ago). The amount is £7,957. I emailed them back with the standard wording "I do not accept liability, please send me a breakdown, this debt is 7 years old therefore you have taken too long to contact me and I don't have to pay", etc. They sent me a statement & breakdown. I borrowed £90k, after Interest (it was an interest only Mortgage), DD Recall Charges, Admin Fees, Additional Interest, Defaul