underground for nearly 10 years need advice

I had a mortgage with the HALIFAX which went very wrong in the early 90s. At the time i was only 19 and did what most 19year olds would i took my name off the voters role, closed my bank accounts and went underground i have heard nothing since. UNTIL i by chance bumped into the new owner of my address BEFORE i bought the house and they told me i was still receiving mail occasionally even though they kept returning letters marking them not known at this address. i opened a letter they got for me and it was from the CIS halifax collectors asking me to contact them. i have not and after looking on this site am a little confused as to the statute of limitation am i right in beleiving that if i dont contact the halifax or its agents within 12 years there is nothing they can do about it? and by that time will any credit history be wiped clean?I do not know if they placed a ccj or anything in that time as i have never tried for credit since. PLEASE HELP

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