That's great information. Thanks for your time.

Thank you sequenci for your reply. I would just like to fire a couple more questions back at you. I am still not in a position to pay, but am just curious as to whether I should expect a CCJ within the next year. For the 6 year time period to begin on loans becoming statute barred, you said it was a few months after the payments stop. Is this as soon as they issue a default notice or is there a different event which prompts the start of the 6 years? How common is it for them to start chasing the debt again after many years of not doing so? The reason I ask Question 1 above is that I have read that the time period begins from the last time the debt was acknowledged or a payment was made. Is this information wrong?

Hello all and thank you for taking the time to read my post. I was a university student from 2005-2009. I had a student account, with £1400 overdraft, with Natwest from 2005 until September 2008 (When a notice was issued under section 76(1) and 96(1) of the CCA 1974. I saw foolish enough to apply for a £5000 loan in October 2007 from Natwest, which I was approved for, despite being unemployed. I could not afford to pay this loan and a default notice was issued in October 2008 under section 87(1) of the CCA 1974. The last payment I made to either of these accounts was 25th July 2008. Other pertinent information: Default date for loan on Credit Expert says 12/2008 despite Default Notice saying 10/2008. Default date for overdraft on Credit Expert says 12/2008 despite Overdraft Notice saying 09/2008. Both accounts not updated on Credit Expert since 08/2010. My Questions: Should the overdraft receive a default notice like the loan? As I have not acknowledged either account since 07/2008, will they become Statute Barred in 9 months? Will Natwest wait until the last minute and then file for a CCJ? How common is it for them to not update an account for over 3 years? Thank you for reading. I hope somebody can help.