I have a significant debt owed to a bank. However - I am thinking letting it run the 6 years whereby the statute of limitations runs out meaning I will no longer be legally obliged to pay the debt. However - will this outstanding debt always show on my ICB report forever more? And if so, does it mean I will never be granted a mortgage by another bank? Alternatively - does anyone know the scenario around getting a mortgage after going insolvent? How difficult is it? How many years does it take before I may get granted one?