You say you have a CCJ? In this case, I'm not sure what you mean when you say the debt is now with a debt collecting agency? If you default on a CCJ, the next step would be to enforce the judgement by further action, bailiffs/bankruptcy e.t.c.?
The other thing is, if this creditor has a CCJ against you, you cannot use the Limitation Act (creditor out of time to recover the debt). The creditor wouldn't beable to enforce the CCJ (i.e. take action against you - bailiffs e.t.c.) without the courts permission if the CCJ was set over 6 years ago. However, the debt doesnt get written off if you have a CCJ, the debt will remain active until either the debt is paid or the creditor decides to write the debt off.
If there was no CCJ, then after 6 years, you could use the Limitation Act to say the creditor was out of time to take any action against you. I'm just a bit confused as you say you have a CCJ and the debt has been passed onto a debt collecting agency from RBS?
Bankruptcy could only occur if the court allowed the enforcement of the judgement and the creditor proved you couldnt make afford a monthly repayment arrangement - this is in the case that you have a CCJ and 6 years have past since the last point of contact.
Hope this somehow helps
If they do locate you and try to enforce the debt, they would have to explain to the court why it took them so long and it would then be up to the court to decide if further action would be allowed, as far as I know, thats the only difference.
Here is some information which might be useful for you to read up on: -
http://www.clear-your-debt.co.uk/limita ... t-1980.htm
Hope this helps.
Further action can be taken at any time - whether they would be sucessful would be up to the court to decide from why it took the creditor so long to go for further action. The creditor would also need to prove that you couldnt afford a realistic monthly offer of payment before Bankruptcy would be allowed.