With reference to the 6 or 12 year period. When does 'First Contact' actually apply. The company chasing me say that as they wrote to an address for a period of 9 months - even though I did not live there at the time of writing - that this is when they made contact. I disagree with them as, obviously, I had no knowledge of them contacting me a this or any other address until they did make 'Contact' with me in October 2000. Due to this I beleive that they are not allowed to pursue the claim under the Council of Mortgage Lenders agreement.(posted 8558 days ago)Also, if they do not have a money judgement - they have written to say they do not as no court proceedings took place - do I have a debt?