OK thanks dx100uk I will start digging out the details- there is quite a few

Hi everyone I'm new to forum and will probably have a lot more questions as I try and figure out my current debt situation I've been reading a lot online about the rules regarding SB debts One thing that I am a bit confused about is the 6 year rule- or 5 as I live in Scotland Whilst I have not made any payments on any of my debt accounts for 3-4 years, or personally acknowledged them to the various, and ever changing DCA's me at the moment About 18 months ago, I went to citizens advice (for advice) and they (not me) did contact my creditors - explaining I was quite ill at the time/no income etc- does that count against me in terms that I have thus acknowledged the debts Many thanks