A judgement will stay on your credit file for 6 years and might make it harder for you to get credit. You can find out more about what to do if you're being taken to court for debt. If you need to check the details of a debt, you can phone your creditor. This includes sending a text or an email, or talking to them on online chat.
This might reset the time limit - this means it will be another 6 years before the debt is statute barred. Check if the other person has admitted in writing that the debt is theirs and when they last made a payment.
The 6 year time limit is reset just for that person if one of you writes to the creditor. The time limit is reset for both of you if one of you makes a payment. If you know your debt is statute barred, you can write to the creditor to stop them contacting you about it. Ask the Post Office for free proof of postage - you might need to show when you sent the letter to your creditor. If your creditor sends you court papers for a debt you think is statute barred, you should get help from your nearest Citizens Advice.
If you get court papers for a debt you think is statute barred, you need to explain this when you fill out the papers. Get help from your nearest Citizens Advice.
If you think the debt was already statute barred when the creditor applied for the court order, you might be able to get the court order changed. The court order will tell you to pay the money back to the creditor, and explain how you have to pay. It might tell you to pay the whole amount straight away, or in monthly instalments. How you check depends on what type of debt it is.
Get more help with dealing with council tax arrears. For example, the owner will be liable if everyone living in the house is:.
If you're jointly liable, each person is responsible for the whole bill, not just part of it. The council can ask any of the liable people to pay the full amount of the bill.
Find out more about who has to pay council tax and council tax exemptions. If you think you need to challenge a council tax bill you should contact your local council. You can check who your local council is on GOV. UK if you need to. Check if you have any evidence of what was agreed - this could include emails, letters, text messages or records of payments in a rent book.
If you have rent arrears you should talk to your landlord as soon as possible. Pay what you can and ask for more time to pay the rent back. Get more help with dealing with rent arrears. Check what to do if you get a section 8 notice. Check what to do if you get a section 21 notice.
If you signed a joint tenancy agreement, everyone who signed will be jointly liable for any rent arrears. If one person leaves without paying their rent, the landlord can hold the other tenants responsible for paying their rent arrears. You should also have been given a copy of the tenancy agreement. If you signed the contract with the gas or electricity company or requested the supply, you'll usually be responsible for paying the energy bill.
This could include emails, letters or text messages. Read more about moving home and water bills. Contact the Law Society for details of solicitors in your area who may be able to help.
Dealing with debt Where to get help with debts Credit union loans Whose debt is it? See all money advice topics. If you have a housing problem, call our expert housing advice helpline If you have a non-urgent problem and would like to speak to an advisor email us.
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This means that every time you visit this website you will need to enable or disable cookies again. Whose debt is it? Check you are liable for a debt. Responsibility for debts after a death. Responsibilities of guarantors. During this time they may write to you or visit your home to collect the debt.
Doing this should prevent further contact. The important thing to remember is that you are NOT liable for debts owed by someone who lived in your house before you. Call the court or bailiff and let them know the previous occupant no longer lives at this address to speed up the process of them updating their records.
Instead, you can either talk to them through your letterbox or ask them to go to the end of your driveway where you can talk at a safe distance from your front door. Showing the bailiff your council tax bill to prove your identity is usually enough to make them leave.
If the bailiff refuses to leave, you can consider making a complaint about them. Find out more about making bailiff complaints. Find out more about the differences between bailiffs and debt collectors. They should investigate and update your records. Previous debts associated with your address are also not your responsibility.
You can only be liable for joint debts which are in your name, or in joint names with you and someone else. If the person being pursued for the debt is vulnerable or otherwise unable to deal with it, you may be able to deal with their debts on their behalf. This is called power of attorney , and it still does not make you liable for that person's debt.
If you guaranteed a credit or rental agreement you are responsible for repaying the full amount owed if the third party falls behind with payments. When you take out a joint loan or other joint credit agreement you are still jointly responsible for the repayments even if you no longer have a relationship with the other person you signed the agreement with, such as following divorce or separation.
When you apply for a guarantor loan on behalf of someone else, you will start receiving letters if that person falls behind with payments.
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