If the repossession was in 1993 and 1st contact letter last year IF the letter was dated AFTER 11/2/00 then they are time barred by the CML voluntary agreement as well as by the Halifax's own announcement that from December 1999 they will use the 6 year rule.(posted 8235 days ago)I would say it is possible that they are time-barred - not that they will admit to it of course.