Your six year period starts from November 2002 which is when contact was last made with you. This applies if the lender is a member of the CML and abide by the six year voluntary rule. So if this is the case, the lender has until November 2008 to issue proceedings - if you agree in the meantime to make payments, each payment starts the six year period off again.(posted 7552 days ago)If the lender is not CML, then they have 12 years to sue you, so they have until November 2014 to sue you - again, each payment or acknowledgement starts the limitation period off again.
Best advice - find out what you owe - try and do a deal with them to reduce the amount - or if it is a lot and you have no hope of paying it off say within 10 years, put yourself into bankruptcy which will wipe the debt off after 3 years.