Sample letter

Time has run out to recover the debt (joint names)

Use this letter to inform a creditor that you are disputing your liability for a debt as you have not been contacted regarding the debt for over six years.


24 November 2020

Dear Sir/Madam


Account / Reference Number:

You have contacted us regarding the account with the above reference number, which you claim we owe.

We would point out that under the Limitation (Northern Ireland) Order 1989 "an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued."

We would point out that in their Consumer Credit sourcebook, the Financial Conduct Authority states the following rules:

"...a firm must not attempt to recover a statute barred debt in England, Wales or Northern Ireland if the lender or owner has not been in contact with the customer during the limitation period." 7.15.4

"A firm must not continue to demand payment from a customer after the customer has stated that he will not be paying the debt because it is statute barred." 7.15.8

The last acknowledgement of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from us in the relevant period under the Limitation (Northern Ireland) Order 1989, we suggest that you are no longer able to take any court action against us to recover the alleged amount claimed.

We await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed.

Yours faithfully