i had a joint account 12 years ago with a bank and when I broke up with partner he was meant to pay off his share of overdraft. I have heard nothing in 12 years so presumed he had, however I recently tried to re mortgage my flat and the same debt came up in a credit check but it was registered in 2006...10 years after I cloed the account..how can that be? I thought they dropped off after 6 years and why have I not received anything from them til now?
