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dmarkey7

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hello everyone

Got a letter today from a different company, think solicitors, representing the car finance company stating that I have not responded to their client and there is money outstanding. They say that if I don't reply then court proceedings or insolvency proceedings may start.

It seems quite threatening, but I don't know what to do.

As far I was aware, when they took the car back and sold it at auction, that was the end of it. The man who took the car back even said it would be the end of it. It has been about 6 years, so the 6 year debt law that makes debts invalid must come into account now. Therefore I do not owe any money as I didn't acknowledge there was a debt. right?

Please could you advise me as to what to do. Should I just ignore their letters, as honestly I don't think there is a debt.

thanks
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