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My name is ***** ***** I am a NSW Solicitor. Thank you for your question, and will do my best to assist you with your question. Please understand this is not legal advise Please understand this is not legal advise but a guide to assist you.
They are out of time to bring the action.
Citigroup had 6 years from the last payment you made to sue you. If you can recall when you last made a payment you can then argue the limitation act and have ti struck out with costs.
It come under the general limitations
Unless it was a secured loan over property then it is 12 years.
I hope this makes sense and is of assistance.
You should put it in writing that it os statute barred and if they do not withdraw it you will seek costs.
Then you see a solicitor if they refuse.
I hope this makes sense and is of assistance. If there is nothing further
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I dont have a template but I can look at something you draft and give you ideas
I am just following up my last post
are you still in need of assistance?