ICO guidance defaults.

rizla_king

6 years from cause of action. Depends on the OD terms and conditions. If only due when called in you may have a problem. Call the debt heplines for advice.

charliebarley

Citizens advice bureau?

rizla_king

No. Cab are often useless.

Call these people http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=25_liability_for_debts_and_the_limitation_act

charliebarley

Thanks rizla, will they be able to give me a definitive answer?

chanz4

Think the ico guideline is open to interpretation, "overdraft for at least three months " , means more than 3 months.

happy_bunny_2

If you try and get the default date changed, I'm pretty sure that would acknowledge the debt, restarting the 6 year SB clock.

I would presume that making payments from the account means you acknowledge the account.

charliebarley

It would restart SB clock that's why I need to know for sure if it will be statute barred 6 years after last activity by me so I can write to them to change the default date without risk. National debtline said it's a grey area and I need to look at the accounts T&C's to be sure.