RSA / Curtis / Limitations Act

Left property October 1989. Some correspondence since regarding mortagage indemnity. Debt not acknowledged. Curtis on behalf of RSA are today (June 2004 !!) threatening bankruptcy unless I reply within 7 days stating reason I deny debt. Can they make me bankrupt for a house I had 15 years ago ? Should I ignore their latest letter ? They say they will go for interest if I lose. When does the indemnity guarantee clock start to tick - 1989 after 3rd payment missed to Building Society or 1992 when RSA paid the guarantee out ? Help !!

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