VERY old mortgage debt

kelloggs36

Long story but I had a house which was repossessed back in 1998. There was negative equity of approx 25k. In 1999 I made a full and final settlement iffer of £2.5k which was accepted. Fast forward 19 years and I have just received 2 letters: one from Halifax telling me the case has been referred to Moorcroft for recovery of the debt and another from Moorcroft telling me I owe over 18k.

Firstly, surely a full and final is exactly that? Secondly, isn't this statute barred? 19 years with no communication whatsoever.

Can somebody advise the best way forward on this?

Thankyou

minimike2

Have you got copies of all the paperwork to show that the F&F was accepted?

kelloggs36

I was looking for it today. I have my letter but cannot find theirs. My hisband remembers it too but there is a whole binch of papers which seem to have gone missing.

minimike2

Evidence will be key here.

You need to engage Halifax straight away too

kelloggs36

I was goi g to ask them for a copy of the filee