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This debt is therefore statute barred and I will not be making any payments to it.Under the Limitation Act 1980, you cannot take court action unless you can provide evidence of payment or written contact from me within the past six years.The six year period for the Statute of Limitations is NOT the same as the six year period that a debt stays on your credit file after a default.If a debt isn’t showing on your credit file it may be statute barred but it may not be.Unsecured loans and credit cards will normally be statute barred in England and Wales if: If the creditor has written to you, or you have discussed the debt on the phone the debt should still be statute barred.What matters is if you have made a payment to it or acknowledged it in writing.
Here is a template letter you could use: Dear [Creditor / Debt Collection Company], I am writing in response to a letter from you dated [dd/mm/yy], a copy is attached. In addition, I have not made a payment to this debt or acknowledged it for over six years.NB If you are making payments the debt will never become statute barred no matter how old it gets.In this case, this article isn’t relevant, instead read Can I stop paying this old debt?See National Debtline’s Factsheet on Mortgage Shortfalls for more details, such as what does “contact” mean?And phone National Debtline if you are contacted about a mortgage shortfall debt which is between 6 and 12 years old. Your debt still exists, it hasn’t been written off, it can still get sold on and you may still receive letters about it.
If you have reclaimed PPI, this is likely very to count as acknowledging the debt.