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Kelloggs35

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
spacing

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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!!


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