I'm no lawyer, so take this for what it's worth.... but I believe that there is a limitations of 2 years that somebody can persue legal action to collect on a debt in Alberta. Now with this being a debt from the UK, may not apply. But the most important thing I was told was that you cannot acknowledge the debt; or else the clock starts all over again. Meaning don't give them $20 to keep you current, and don't communicate in writing anything about "I plan to pay you."
One collection agency once tried to get me to apply to 2 banks for loans to cover the debt, and if I get regected send them the letters, and they had "something they could do for me." I didn't do it at the time because my bank had never pulled my credit report (which was shot back then) and I really didn't want them to know I was a deadbeat. Turns out that ended up saving me.
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