Response to what do we do next,DLA are chasing on behalf of Abbey National

I would have to agree with Carol that you should not *soley* rely on limitation periods as this is an unproven area. Howewever it is a good arguement if you have plenty of other defences to rely on ie fraud, negligence etc. It could prove to be the camel that broke the camels back and if it is in your defence and *if* it goes to court the judge may just finally rule on it (The lenders would hate to gamble on this). I would suggest that you try to contact Carol and see what she has to say. I have seen some reports on this site that she is very busy and can be exremely difficult to get a hold of. Any advice that you get from anywhere ask for substantiation ie what is the basis for that advice. Advice without substantiation is no more than opinion and you would not look good in court if you said "I feel the lenders claim is unjustified bcause of ........." and then couldn't provide a reason why.

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