time clock starts from?

Having scoured the Q & A’s for information relating to the 6 and 12 year rule I am still uncertain what exactly constitutes the resetting of the clock. I have been in communication with the solicitors on and off for around 5 years. Now they are back on the case. If the debt hasn’t been acknowledged, no I & E form returned, all letters written stating ‘without prejudice’ would the 6 or 12 year clock be re-set at the time that I acknowledged their first letter or does it still remain the time from when I first defaulted on the mortgage payment. I would also be grateful for confirmation that it is actually the case that the 6 and 12 year time starts from defaulting on mortgage payments as oppose to the repossession or sale of the property.

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