6 year rule

I have recently received a letter from a debt recovery agency informing me that a property I moved out of in 1990 was repossessed by the lender(Halifax B.S.)with a shortfall of over #23000. The Lender then made a claim with the MIG insurer (Royal & Sun Alliance) who have then passed the debt to the recovery agency. I only lived in this property for three months and broke up with the joint mortgage holder. I went back to the Estate Agent/Mortgage Broker/Financial Advisor who arranged the mortgage and MIG and asked him to get me off this mortgage at all costs. After six weeks of paperwork and me providing a cheque for the interim mortgage and utility payments, I was informed that once this cheque, made payable to my ex-partner, was cashed by him he had accepted the liability for the mortgage. It appears he handed in the keys to the property soon after. I was told at the time by this financial advisor that I did not require a Solicitor's services. I have contacted him about this matter and he has informed me in writing that he has destroyed all records. I have also contacted the Lender and the Debt recovery agency asking them for any records and information. In all correspondance I have denied any liability for this debt. I understand there has been a recent ruling regarding the 6/12 year question. Please can you let me know where I stand?

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