12 YEARS.....ARE THEY UP ???

I voluntarily handed in my keys in April 1990 to Abbey National on my flat.In late 1999 Eversheds got in touch demanding a 47K shortfall.No MJO has been made and 12 years has now gone by without me acknowledging the debt (I have been fighting a delaying action these last three years).Am I now legally clear of any liability ?

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