Thanks honeybee. My reasons were... A) my natural concern over discussing my concerns. B) I keep getting directed to noddle. I hope I haven't offended anyone too badly.

Again, thanks to everyone. BUT.... Am I in the right place for impartial advice?

Thanks DX. I had a feeling this would be the case.

Thanks sabresheep. Reading between the lines it appears i need to find out if I have any ccjs against me, as suggested earlier in the thread. Do you or anyone one know if I can do this anonymously. Thanks for all the help so far, what a fantastic site. Will be donating as soon as I can work out how to do it.... If you see a pigeon with some money tied to its leg, that's from me!

No and no. Thanks for getting back

No one is chasing me , I guess because they have never been able to find me. I don't have a bank account or cards etc. I don't know if I have ccjs or similar, basically I have hidden from this for years. I darent do a credit check or apply for bank ACC's etc in case it opens the doors of hell, if yousee what I mean. I am not in a position to repay, so I suppose my question is .... How do I come out of the shadows. The debt is with the midland bank/HSBC and was run up by cashing cheques and on a credit card (same bank). PS, what is a noddle?

Hello everyone. Can anyone help. How long do debts last. I have a £5000 debt from 2002 with a bank Is it still collectable?