I would say mid 2010 at the very latest. I have got letters in past from them and the last one i think was 1 year ago offering 95% discount.

Hello. Last week out of the blue i got a letter from Arrows saying i will get a credit card refund due to Lloyds not sending NOSIA in 2010. They have also enclosed a DN It shows a balance and payment received but no payments have been paid at all since that date. As the "refund" has been paid into the Arrow account does that now mean as no money was paid off the debt in 7 years the refund now starts the 6 year rule? It says as the account is in arrears i will have to pay by the end of the year if not then debt collectors will be sent to me. Is this a fishing exercise or a new tactic by these firms?