A limitation period is not a suggestion. Once it expires, you generally lose your right to bring a claim — regardless of how strong your case is. Understanding when the clock starts, and what can stop it, is one of the most practically important things in civil law.
When the clock starts
For most contract claims, the clock starts when the breach occurs — when the other party failed to do what they agreed to do. For personal injury, it usually starts when you knew (or should have known) you were injured and that someone else was at fault. The Limitation Act 1980 sets out the rules in detail.
The standard periods
Contract claims: six years. Personal injury: three years. Claims on a deed: twelve years. Defamation: one year. These run from the date of accrual unless a specific rule applies. The full table is in Part I of the Act.
What can pause the clock
Fraud or concealment by the defendant can delay the start. If you were under 18 when the cause of action arose, the clock does not start until you turn 18. If you lacked mental capacity, it does not start until you recover capacity (if you do). Negotiations do not automatically pause the clock — this is a common and costly mistake. Citizens Advice has a plain-language overview of time limits.
What cannot pause the clock
Being unaware of your legal rights does not pause the clock. Neither does the fact that you were trying to resolve the dispute without going to court. Issue the claim form before the period expires, even if you intend to settle. The online money claims portal on GOV.UK lets you start a claim immediately.