My understanding is that Carol Riley runs a bit of a one women show and so, while caring a great deal about these matters and the people affected by them, cannot always respond as quickly as I'm sure she would like.(posted 8558 days ago)If your lender hasn't got a money judgement then I believe that it certainly loses the rather bizarre and arcane right to pursue you forever for the 'debt'. There may well be further implications concerning a lack of money judgement, and Carol Riley is certainly the right person to contact about this.