I'm confused about when this will become statute barred. Started to get letters as my credit file updated with my latest address now. The default will drop off my credit file in July this year. However I am wondering when this will be statute barred. I have never contacted them or paid anything It was a bank account from when I was 18, I went overdrawn unauthorised and then they extended the overdraft to help with fees etc so I could pay it off, however I was only a student and had lost my job, plus my family were struggling at the time as the family business went bankrupt. I think this debt been sold a few times and capquest are the latest. There's no record of any payment being made. I would screenshot the entry from my credit report but I can't post links. Could you advise me as to when I can find out last payment made or something. I have never paid a debt collection agency anything for this debt, and at the time made no payments to the bank. I got a new account elsewhere and just left this... I have no other debts, this was just a very rough time.