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the creditor didn’t check properly that you could afford the repayments when you signed the agreement.

there was a problem when you signed the agreement, for example if you were pressured into signing it or the agreement wasn’t clear.

it’s been six years or more since you made a payment or were in contact with the creditor.

A creditor is any person or organisation you owe money to. If you’re not liable you should be able to challenge the creditor. It means you’ll have a legal duty to pay it. If you’re responsible for a debt it’s called ‘being liable’.

credit agreement, for example if you’ve bought a washing machine or taken out a credit card.

You’ll also probably have to pay a debt if you’ve signed a contract to say you agree to give money to someone.

You’ll be responsible for a debt if it’s something that the law says you have to pay, like council tax or water charges.