Response to what can they do?

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.

I would say it is possible that they are time-barred - not that they will admit to it of course.

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