I left UK 15/07/2013. So no use or payments to account from 1/8/2013 till mow I was not in UK. So I don’t know exact date they marked it as default. Or when they sent the 14 day letter.

Sending a SAR request to Halifax will it affect my debts been statute barred

HI I had a Credit card and Overdraft from Halifax. I had to leave the country because my visa finished and left in July 2013. From July 2013 I have not made any payments to these cards or overdraft till now. I came back to UK in June 2017. I received a letter from this Mortimer Clerk Solicitors in July 2019 for the first time asking me to arrange a payment plan. Today they have sent a text asking me to contact them. I have done none of that. 1. What should I do? 2. When does my debt go in to Statute barred? 3. When they become statute barred, do they still stay in my credit file and for how long? 4. Do I need to contact them and tell these are statue Barred? Thank you for the help