yeah its 6 years, and its ONLY for charges they make to write you a letter.

if you pay a monthly fee for an account, or interest, thats NOT covered, if you get sent a letter saying you went over the limit and they are charging you 30 quid to send a letter then that IS covered, as it doesnt cost 30 quid to post a fucking autmoatically generated letter.

THAT is what they are doing illegally, lieing to you saying it cost them 30 quid when it didnt.