Don't panic
After 6 years of non-payment and not acknowledging the debt, it is statute barred, which means they can pursue you but they have no immediate legal power to sue should they try, they will need express permission of a Court to do so. They would also need to prove that certain paperwork is in order, such as contracts/agreements, down to the wording and method of delivery of a default notice. It is highly unlikely that all or any of these are in order.

I'm no expert but please please do visit the excellent Consumer Action Group website where you'll find all the advice and template letters you could ever need.

But most of all, don't panic, they can't touch you! Visit the site above, check it all out- I'm nothing to do with the site apart from being a regular visitor I promise. There's a post earlier on one of the first few pages from someone who set up the site, tells you some more about it. Best of all, it's free.

Good luck
(randomstupidname would really like this signature field to be bigge, Sat 18 Jul 2009, 20:11, 1 reply)

Do not contact the Bank!
Just to re-iterate what others have said, it is 6 years since you last acknowledged the debt.

So even if you contacted them and said "I can't pay" that counts as re-setting the clock.

I would guess you would likely be okay, just get the basic bank account and the poor-credit credit cards, and within six months to a year you'll be in much better shape.
( Ghoti Fingers, Sat 18 Jul 2009, 22:25, closed)