Hi again, is the debt statue barred from the date it went into default, or from the date I took out the "loan".

Hi, thanks for answering. Im worried if I write to them now, they can put a new default date from todays date (as I have not had contact with them since 2014 - last payment was done in 2014 - they have to remove the debt after 6 years dont they if no contact since then?

Hopefully, someone can help me.... several years ago I went through a bad break up and ended up with 2 different debts with Lowell due to my ex. Instead of arguing the debts I put my head in the sand and ignored them. The first debt is for £2,983 and the 2nd one is for £636. Lowell have stopped sending me letters about the big debt, but they still send me "threatening" letters about the small debt. Both debts have a default date in 2014, which means they will have crossed over the 6 year limit this year and should go off my credit file as I have not communicated with them? I am worried Lowell (OR the actual company they bought the debt from?) will go legal before the 6 years have passed (in particular with the big debt), but I have not informed the actual companies of my new address. My questions are: 1. What if they send the court letter to an old address and I don't receive it? The "chase letters" have gone to my new address - does that mean I will get the CCJ to the new address, or is it not Lowell doing the CCJ *is it the original company? What happens if they send the court order to an old address and I never receive it - what's the worst that can happen? 2. What is the likelihood that they go legal? 3. Will the debt just go off my credit report naturally when the 6 years are up or do I need to do something? Thank you!!