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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 February 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 Mortgage shortfalls fact sheet
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.
28th March 2023
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