A debt will be “Statute Barred” if there has been no acknowledgement of the debt by you making a payment or in writing within the relevant limitation period.
The debt would then be legally UNENFORCEABLE.
If you are in England/Wales then the limitation period is 6 years
If you are in Scotland then the limitation period is 5 years
Unsecured credit debts
Unsecured credit debts are things like credit cards, store cards, personal loans and catalogues. When using the Limitation Act, these debts are often called ‘simple contract debts’.
The Limitation Act says that the limitation period for simple contract debts is six years.