Don't mind if I jump in!   Jhgf - just to re-iterate a previous comment from dx, don't overlook this statement "..that part of their deferment form was ruled unlawful by the FCA/FOS way back in 2013 and the dd should have been cancelled/removed by them..." I added the emphasis   You should cancel the DD, follow the advice and read some other threads, otherwise ask yourself why are you on CAG?   Good luck I'll just get back under my rock

wrong! on every count. you'll never get that moneyback if they do and it will prevent/null any chance of write off.   they are a DCA, never ever trust a dca!!   dx  

They haven’t taken any money yet, despite the arrears showing. Cancelling my DD is not advisable. That will just muddy the issue. I’d rather let them take it and than deal with them, rather than putting myself in default ( whether it’s due to their oversight or not). Thanks, but I think I’ll try and contact directly. and then ombudsman. 

you already have defended the point you explain your reasoning quite perfectly in that wording we gave you.   dx  

Exactly. I just don’t know how to defend the point in my hearing.  I’ve read the limitations act and consumer credit act and I can’t find a concise definition on when the clock starts. As Andy says, it’s a grey area!