Quote Originally Posted by Terpe View Post
Yes, you are right that most debts may be time barred.

Provided that, if during the six years:-

- The lender doesn't contact you about the debt
- You don't acknowledge the debt in writing
- You don't make any payments towards it...
- the lender has not been granted a CCJ (County Court Judgment) against you (it could then still be enforceable even if it's over six years old)

Also debts relating to land such as mortgage shortfalls have a 12 year limitations period.....and some other debts such as court fines, CSA debts, council tax debts, and most HMRC debts.. never get time barred (likewise may never get enforced)
another tip for those in debt when you start to receive the calls never confirm your name to anyone they need to know they are speaking to you as the calls are recorded .and you are correct never answer any letters to them .The debt collecters work on the fear and intimadation to try and collect the debt.also the absolute discharge from bankruptcy is now 2 years not 3 years .