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1991 UK House repossession, am I still liable - left the UK in 1990 to live in France


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Hello,

 

In a nutshell, I left the UK in 1990 to live in France, was unable to keep up mortgage payments and unable to sell resulting in a repossession in 1991.

 

A DCA chased me (I don't know whether they purchased the debt or were working on a commission basis),

 

the last I heard from them was about 1997.

Since 1999 I have been living in Italy and have rebuilt myself.

Neither the DCA nor mortgage company have contacted me since 1997, but I do not think that they have my address.

 

There are no CCJs listed against me at my last UK address.

 

Is there anything that they can do now as I continue to be a non-resident?

 

If my address became available is there anything that could be served against me?

 

Thanks for any advice...

Edited by dx100uk
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The statutory limitation period for chasing a debt which was secured by a mortgage is 12 years

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If you have not paid or acknowledged the debt for a period of 12 years then its statute barred...irrespective.

 

 

Andy

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the debt still exists so if you feel like paying it then they will be most grateful. as it is SB they cant do anything to recover it other than ask nicely and if you feel that is harassment then tell them so and they will have to desist.

Ignoring them means that they waste money writing to you and nothing more can be inferred fro your silence

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