I am writing to inform you that I do not intend to make any further payments to the account for the following reasons:
- The earliest point at which you could have sued for the full balance owing to this debt was more than six years ago
- No payment has been made to this debt by me, formore than six years
- I have not informed you that I accept liability for this debt for a period of more than six years
This debt is therefore statute barred and any court claim to recover it will be defended on this basis.
If you have evidence that this debt isn’t statute barred, please send it to me within 21 days.
Please confirm in writing that you won’t be pursuing this debt any further.