The 6 year CML policy is not case law and therefore cannot be really tested.(posted 7570 days ago)Remember that where in the policy it refers to commencing recovery it doesnt mean court action - it could simply be one letter from a debt collector!
The policy is a farce as there is no real appeal process - the lenders word is final. The CML is a friendly front that lenders hide behind under 'self regulation'
It can be pointed out to the lender (but be careful of acknowledging the debt - see this site) if you have never received any letters within the 6 years and hope for the best. It does occassionally work.