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Can Banks Claim After Six Years?

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With almost every claim we make against the Banks over 6 years they fight it and do everything possible in order not to pay it claiming its over the amount of time allowed by the limitation act.

Suppose an unsecured loan or overdraft was taken out pre-2001 and not paid could the Banks still insist on it being repaid or would the 6 year limitation act work in our favour for once?

Is there one rule for us and another for them?

If You are on benefits you must read this


Social Security Administration Act 1992


Certain benefit to be inalienable **


187- Subject to the provisions of this Act, every assignment of, or charge on-

(a)benefit as defined in section 122 of the Contributions and Benefits Act;

(b)any income-related benefit; or

©child benefit,

and every agreement to assign or charge such benefit shall be void; and, on the bankruptcy of the beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors

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I think the loan will depend on the terms of the loan from the onset. Some loans could be over 6 years depending on agreed terms. I do not think you can apply the Limitation Act in legitimate financial contract agreement like loan, mortgage, etc. This will also be same for mortgage loan for 25 years agreement.

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