Response to 12 Years Rule and arrears

The cause accrues at the point specified in your mortgage T&C, regardless of whether the mortgage company chose to pursue it at that point or not. But if I understand your posting, you say there was a possession hearing then, after which you continued irregular payments until 1993. If so, I *think* the exact date of accrual would depend on what was agreed at the repossession hearing in 1991 - the terms of the suspended possession order would specify when and how much payments were to be, and would supersede the mortgage T&C. Anyone more legally knowledgeable than me out there?

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