Is anything gonna happen? And when?

I left my ex husband in Jan 1994, went to the bank to take my name of the mortgage and was told I coudln't because it was in arrears. I knew nothing about any arrears (that was down to my ex). I couldn't afford to pay the arrears of to could clear my name - I just had to go with the flow. The house got repossessed the following summer (95) and I even went to see it being auctioned off (at a loss of #8k on the sale price). It appears that I am still going with the flow, waiting on a letter, or a Sheriff's Officer appearing, or whatever normally happens. I know about the '6 year rule' and it has haunted me for 5 years now. I've managed to scrap through without buying a house but now I feel I can't wait another year. It's been a long haul. I understand that although I knew nothing about the arrears, it was a joint mortgage and I am still liable. I still work in the same place, and don't understand why I have had NO contact from anyone AT ALL, EVER. I've sent off for my credit file every year since with nothing, and through my financial affairs I have no knock-backs. My credit looks good. Could someone please tell me what the 'usual' procedure concerning letters etc normally is? Should I have received some letter about the default or something telling me what I was due? Or does this mean the bank have written it off? PLEASE give me some advice - (lawyer just said ride with it 4 years ago - "don't want to rock the boat").

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