Cancelled car insurance debt

NotThisNotThat

Hi everyone. I had a van insurance cancelled in 03/2019 due to direct debit non payment. The company just cancelled the insurance and i thought that was it. No word from the company since then but until recently when i got  their email in my junk folder saying i owe them money £462. Its been 6 years now do i really have to pay them the money?

fatbelly

The Limitation Act 1980 under s5 gives a firm 6 years to start a court claim from the 'cause of action'. Now you would expect the cause of action to be March or April 2019 so if they have not already started a claim then the debt is statute barred, unenforceable and, while it still exists, you don't have to pay it