But that allows an “end run” around any statute bar : just don’t issue the DN until you want to issue the court claim.
If they try that, ask for the claim to be stayed while the FOS rules on what the date of default notice SHOULD have been, and instructs the claimant to amend it .....
May 2013 (at the latest!) to March 2014 is unreasonably long.
Their client’s commercial decision may factor in that, if you complain to the FOS
a) the complaint is unlikely to be rejected ‘on initial screening’, so
b) I suspect a carefully phrased complaint would be upheld, but whatever the outcome, it’ll cost them more than they are claiming .....
I’m not suggesting pointing this out, so it doesn’t look like ‘blackmail’, but hopefully they’ll “do the maths”!
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!