How Do Dead Lines Work

[NancyGru101]

I've read that making a claim against a lender has a deadline of 6yrs from when it became a problem. If the evidence goes back further than 6 years can it still be used?

[atticus]

Yes, this evidence can be used. The point is that the claim must be filed with the court before the expiry of the limitation period.

[NancyGru101]

Yes, this evidence can be used. The point is that the claim must be filed with the court before the expiry of the limitation period.

Thank you for your reply. I am somewhat concerned regarding what part of the claim would be effected by the 6 year limitation. If say I have evidence of a lenders extremely liable behaviour during a period of over 6 years but that the actual final monetary cost to us was well within the 6 years, would the former information of said bad behaviour still be admissible within court?! The date that the lender sold our properties illegally without repossession was June 2017, well within the 6 year limitation, however, their behaviour really began circa 1st November 2016. Thank you again for helping us in this matter.

[atticus]

Doesn't the sale crystallise your claim? In other words, isn't it the case that your cause of action becomes complete, and the time starts running for limitation purposes, on the date when the property is sold?

On that analysis, you are within time but beginning to run short. If you are going to bring a court claim, I recommend you to get on with it.

[des8]

Have you considered raising the matter with the FOS.(https://www.financial-ombudsman.org....20April%202019.)
Cheaper and less stressful than court