Unsecured outstanding debts, including many loans, charge cards, catalogues and overdrafts will be statute-barred in normally England and Wales whenever you can state YES to all the listed here four points:

1. it absolutely was significantly more than six years as you last made a payment; and
2. A cause is had by the creditor of action significantly more than six years back; and
3. you haven’t acknowledged the debt in writing during this right time; and
4. the creditor hasn’t currently attended court for a CCJ.

Having a joint loan, it matters if either of you makes a payment. In the last 6 years if you have split-up, you may think a debt is statute-barred but it isn’t because your ex has made a payment to it.