On another note the CML also say that although they make every effort to contact the borrower there are cases where the borrower refuses to acknowledge the contact (I wonder why) - in those cases contact is deemed to have been made by sending out a letter - surely this is open to abuse! In a nutshell does this ruling mean that if they can't get any money out of you within six years then they have to forget about chasing you and drop the shortfall claim?(posted 8590 days ago)