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Hello, I’m Ben, a UK lawyer and will be dealing with your case today. I may also need to ask some questions to determine the legal position.
When did all of this happen?
Well the regulations are about ‘simple contracts’. A contract does not have to be in writing or under an agreement and even verbal agreements can qualify. The usual time limit is 6 years so assuming there was an agreement to repay that in 2015 and that is when the issue with the alleged debt really began, you should still be within time to make a claim if needed.
Does this answer your query?
All the best