Sorry for the delay in getting back to this thread. Thought I'd better get updated credit files, so far got my experian via MSE and Noddle ones.
I'm basing my conclusion that it's statute barred on when I last paid but looking at the Experian result, it shows it as defaulted in 05/05/13 about 8 months further on and also changed over to Lowell Portfolio. Should I still go straight in with the SB letter or use the CCA first?
Found some other bits that don't add up with letters coming in when I've been looking at my credit file, something I think for a separate post.