Its begun

Well just had a claim form through the post. Property repossessed and sold in January 1995, claim submitted in April 2002. Original shortfall of 35,000 now 56,000 with interest. I have read all the info on this very helpful site, and have sent back defence form using 6 year CML code as my opening stance and also requesting full disclosure from lender. What I would like to know is when and how should I consider attempting settlement?

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