Response to 6/12 year policy at Brittannia B.S.?

This isn't an answer, rather a comment, Graham. The point whicn interests me is the difference (legally, not just semantically) between 'contact' and 'action'. So a person answers a letter. So what? Is that really 'recovery action' on the part of the lender, particularly if the ex-borrowers letter says something in that letter along the lines of, 'please substantiate this claim'? The fact that the lenders are so reticent about the exact definition of the start and end points of the '6 year rule' makes me wonder if they are reluctant to have the point tested in court, especially given the circumstances under which they adopted it. best wishes, E.

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