Just an observation in reading the above thread. The lender will claim that the voluntary (CML) code gives the six years from the date of sale and not six years from the date of repossession. So if you were contacted just outside of six years from repossesson then the chances are that you *were* contacted within six years of the sale. Once contact is made then they (the lender) have fulfilled their *voluntary obligation* and and now only the Limitation Act applies. Check out the 6 or 12 years area of the repossession section. Eleanor has done a really good job of consolidating the various discussions that have taken place on this subject.(posted 8423 days ago)Regards Tim