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Use this letter where your house was sold more than six years ago and you were first contacted by the lender after 11 Feb 2000. Lenders should not pursue the mortgage shortfall under the UK Finance policy. You can find information about how to use this letter in our fact sheet Mortgage shortfalls.
You can choose to send a letter in your own name or in joint names. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.
1st July 2022