Help with figuring out when Statue barred starts (Overdraft)

babynoahsmamma

Hoping for some help to decipher when an old lloyds account became statue barred, I completed a SAR request and received the documents this morning, cant figure out how to add attachments but I think its probably one of the below as the start date. Any ideas?

20/06/11 Q06 CHQ FULL ARREARS
28/0611 CHQ ENFORCEMENT NOTICE
29/06/11- APPLIED DEBIT CARD BLOCK
19/07/11 CHQ FORMAL DEMAND
02/12/11 CLOSURE SUCESSFULLY

Chino

Have you read this article?
https://moneyaware.co.uk/2013/10/statute-barred-debt/

babynoahsmamma

It was from an old overdraft (sorry should have mentioned that) which is obviously a bit harder to pin down the actual date the clock starts ticking.

PRAISETHESUN

The date for statute barring is 6 years from the last time a payment was made or you contacted them to acknowledge the debt. From a previous thread, it sounds like it might be 6 years from when the bank formally recalled the overdraft.

https://forums.moneysavingexpert.com/discussion/3381404/statute-barred-when-does-it-start-on-an-overdraft