Statute Barred Debt Response Letter Template

If you need to inform a debt collector the debt is statute barred and you will not be paying, a written letter is the recommended first step — it creates a clear record and shows you're pursuing the matter formally. Below is what a strong statute barred debt response should include, plus a free tool to generate yours.

What this letter needs to cover

• Identify the alleged debt with reference number and amount
• State that the debt is statute barred under section 5 of the Limitation Act 1980 as more than six years have passed since the last acknowledgment or payment
• Deny liability
• Request that all collection activity ceases and the account is closed
• Warn that further contact may be reported to the Financial Conduct Authority

See our full letter template library for related templates, or use our free checkers for guidance specific to your situation.