![]() ![]() Generally, you can rely on this defence if: no court action has been taken to recover the debt.a long period of time has passed since you last made a payment or confirmed the debt.You may have a defence against a debt if: If you are contacted about an old debt, don’t make a payment or confirm the debt in writing until you get legal advice. ![]() Some old debts can’t be recovered by a debt collector. You should also get a copy of your credit report to make sure it is correct. Showing your driver's licence or other proof of identity may fix this, but a debt collector can’t force you to do this. If you’re approached about a debt you know nothing about, it may be a case of mistaken identity. ![]() This should include principal, interest, fees and charges.
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