If they have not managed to make an agreement with you
+ 6 years in some cases then it can be true,
its only if its a mortgages its different rules apply.
I have a topic running see if i can find it.
See this topic in the consumer Advice Forumhttps://www.wikiwirral.co.uk/forums.../Help_with_Debt_Problems.html#Post187275
Just see how crafty they get,
and ive not heard a letter since my last post which i will update just now.