Response to its begun - update

forgot one other thing, I threw in the CML 6 year rule too. Response was lender had tried to contact me prior to the 6 years, in this case I am going to ask for strict proof they tried and ask if the letters were recorded delivery etc.....and if not how can they be sure they made contact at all. This isnt my defence but want to dig into this a bit further to see what happens.

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