Statute Barred Info.

Please could someone tell me the definitive moment when SB starts as I have seen different answers for this.

For example if my last monthly payment on a credit card was, say, the 9th of May 2009, when would it be SB?



Also, is SB a 100% defence, or are there any instances when a judge has decided against the defendant?



Thanks



David.

Statute Barred Info.