Welcome to the forum – but the first thing to say is that would like you to avoid posting your story in a solid block of text because it makes it very difficult to read on a screen.
It will be very helpful if you can make your post properly spaced and punctuated. That way people will find it easy to deal with and you get enthusiastic support and advice
Ok so i understand this right, you are saying that the default date in regards to statute of limitations is the day after the 14 days has expired on the default notice after ignoring the notice?
In this example and it's a true account as i've seen the letters
Default notice received dated 18th February, account needs to be brought update by the 21st March.
Letter dated 28th March informing a default has been registered on the account and full balance now due.
Date of of default registered on credit file is 28th March
For statute of limitations purpose then the 22nd March not the 28th March as registered with cra is the key date