nearly 6 years old debts

A question about : nearly 6 years old debts

Hello everyone,
Back in 2008 i was doing some share trading just for part time income with a full time job in London, at the time of Lehman bros & JP Morgan collapse i was in some (big but sustainable) loss, now instead of cut my losses i tried to hold my position neutralize some losses but that was a huge mistake, over the next few weeks i was down around Ј70,000, which included all my savings, my O/D, one loan of Ј12000, credit card balances around 6 of them etc. with no property to name, end of november 08 i moved to Scotland living in a small town for next 4/5 years with cash in hand job to survive, paid loan instalment for only first 3-4 months rest was all ignored.

now living in N.Ireland, nearly 6 years up. my credit file doesnt show anything big except one loan which was 11000 balance plus 2 barclay card accounts around 900 each so does it mean big percentage of my debts are now written off?. i had my mails redirected in 1st 12 months and i never even opened the letters which were easily 1000s. They all stopped, except barclay who keep bugging me only because i installed phone line in N.Ireland so they found me from that. how do i find out if i can tell them its 6 years as i am not sure of dates it must be between 66-72 months.
if i tell them its time barred and they say its not does it mean i am acknowledging the debt?
the debts which disappeared from my credit file can they appear again?

please help me

Best answers:

• If it was around 6 years ago, the debts would be statute barred depending on the date the last payment was made. I'd say there's probably a good chance that they are if they're not showing but couldn't be 100% sure.
• Most debts over six years old become statute barred, but that doesn't mean the money isn't still owed. It's just the debtors cannot use the courts to obtain repayment of the money.
  BUT .. if anyone has gained a County Court Judgement against you for the debt, then they cannot become statute barred. If any of the debts were secured, then the time limit is 12 years not six. Banks can take any money you owe them from accounts you may have in credit. And if it's money owed to the government, then they can deduct any money owed via benefit payments, pensions, etc for an unlimited time.
• Have you provided all of your recent address when checking your credit file? I checked mine recently and there was a load of stuff missing. It turned out that there was one address I had not provided so it didn't automatically link me to those debts. As soon as the other address was added the rest of my information appeared.
  Just a suggestion, it would be awful that you assumed all was ok but actually you just couldn't see them all.