Normally after 5 to 6 years ICB reports are cleared out.
Your loans were amalgamated in 2007 .
It maybe that you have made even tiny payments in the last few years, that would keep ICB active.
It may also be that Bank has yet to decide whether to actually close off any more action on your account, ICB say {to be determined}
Once you are communicating via Mabs etc ,it means account is still (live)..
I suggest that were you stand is this.
Mr Bank would love to see you earning money to pay them back.
Mr Bank will hold on to see if your situation improves to pay them something.
Jon has no income.
Jon has used MABS.
Jon has no free funds.
In short Mr Bank is being optimistic that you will find extra future income and will leave ICB on for long nuff.
On the PLUS side , if they had any real intention of chasing you ,they would have.
You may get future debt letters/calls etc but if you havn,t funds stay civil and do not feel bullied.#