County court claim for for statute barred debt

panickerice

A few days ago my husband received a county court claim form for a debt from 2012 which defaulted in 2016, he suffers from poor mental health and this letter has sent him into a frenzy. Is there any way we can defend this? Thank you in advance 

DullGreyGuy

Arguing it is statute barred is a defence and assuming its your only defence then thats what your response should be

RAS

Did your husband make any payments after the default in 2016? Start by checking his credit records. That can be done free.

sourcrates

You should acknowledge service online, which gives you 28 days to lodge a defence.

His defence should be that the debt is statute barred under section 5, limitation act 1980, as the debt defaulted on 20/04/2016, and no payment or written acknowledgement has been made by the debtor since that date, so time has run out for the claimant to act, and their claim is denied.

Make certain to lodge the defence as soon as possible, and within the 28 days allowed.