Pre-action protocol - Impact on the limitations act

[CaptainDave]

Hi,

I've been reading through various threads, great site, very informative.

I do have a query I can't answer myself through my searches however so hope someone could kindly give me some input.

I have a debt that would be statute barred in 60 days, given the requirements in the pre-action protocol, mainly the 30 days to reply followed by 30 days to seek advice. Will I have avoided a CCJ and pretty much be in the clear now?

Or does a Letter of claim pause the clock?

Many thanks.

[Amethyst]

Hi there, Sorry to have missed your post until now.

So long as your response to the pre-action letter doesn't acknowledge the debt you should be okay. Only issuing a claim ( or making a payment or acknowledging the debt) stops the clock.

So for example you could tick Box C " I don't know whether I owe this debt" - ask for further information/documents via Box I and state you are seeking advice ( assuming you actually are ).

It is however likely if they have send the Letter of Claim now they know it is soon to be SB so I would expect them to file a claim regardless before the 6 years date.

What date are you considering as the cause of action date ? last payment / default ? what kind of debt is it etc.