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Should I open the first NRAM letter in over 5 years?


Missnka
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Hello,

 

Today I received my first contact from NRAM in over 5 years. Next July will be 6 years with no contact - so approximately £13,000 statute barred unclaimable debt. (I sold my property and due to personal circumstances I could only afford to pay the actual mortgage and not the unsecured loan part.)

 

What should I do?  I have only recently moved and registered to vote, hence the contact probably

Should I return to sender, no such name and ignore the letter? 

Should I open and read it?

 

Only a few more months, I was shaking with anxiety when I saw NRAM on the return address. I thought I was nearly out of the hole  :( Please help.

 

Thanks

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Has it been defaulted?  When?

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I'm sorry, I'm not sure. 

 

All I know is that I sold my flat in June 2014. I instructed my solicitors to pay off only the mortgage portion and they did. (I was then homeless and needed funds to survive and rebuild my life due to an abusive ex.)

 

I never went back to that property so have no idea if I was ever contacted again. I have moved a few times since then but only now have registered to vote so am on the system. 

 

Thats all the information I have 😕

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I suggest that you start off by looking at your credit file.

 

There have been recent decisions which suggest that the limitation period runs from the date of  a default

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Statute of limitations on Mortgages (Capital) is 12 years not 6.

 

Andy

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