Statute barred debt
Debt, arrears & collectionsA debt that is too old for a lender to pursue through the courts under UK limitation rules.
Overview
The time limit depends on the type of debt and the UK nation.
If the debt is statute barred, it cannot usually be enforced in court.
Why it matters
- It affects whether a creditor can take legal action.
- It does not automatically remove the debt from your credit report.
- You should get advice before acknowledging an old debt.
FAQs
Does statute barred mean the debt is written off?
Not necessarily. It means it cannot usually be enforced in court.
Does statute barred debt still affect my credit score?
Old debts may drop off your report after a reporting period, but timing varies.
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