Sunderland City Council
Civic Centre
Burdon Road
Sunderland
SR2 7DN
Tel. (0191) 520 5555
Calls may be recorded for quality and
training purposes
Limitation period
The Limitations Act 1980 gives creditors a maximum amount of time to start legal
proceedings after the last payment or written contact from the debtor. For
most debts, this is 6 years, or possibly 12 years for mortgages. If you
have not paid anything towards a debt for more than 5 years, you should get
specialist advice before you speak to the creditor about an arrangement to pay
what you owe.