The Financial Conduct Authority (FCA) will consult on new guidance for treating customers with mortgage payment shortfalls, after warning current practices may breach rules. More...
right so nothing more to do then on either card debt ignore them now until/unless they find enforceable agreements or you get a claimform from THE COURT for either.
Exactly as stated in your post - they can ask for payment - they can also continue to report to CRAs - but until such time as they can come up with a compliant Agreement they cannot enforce the debt through Court You can ignore begging letters or tell them that you won't be paying. Is the debt on your credit file? Once 6 years elapses you can tell them to stop contacting you.