Did we ever find out what happened with this case? Kinda entering in to a similar situation with NDR/Shop Direct and this has been a good read. They are threatening me with a default on my account. That doesn't worry me in the slightest in all honesty, as this is my mess and I have to deal with it. What worries me is how they go about getting the debt back? I am just paying them £100 each month at the moment but they are still not listening.

If i'm honest i'm not sure, I believe it to be a loan agreement as it was borrowing of a certain amount of money.

Ok here goes, I was very stupid i have to admit, and maybe a bit naive... but I initially took out finance on a car that I wanted from Close Motor Finance, which was fair enough. About a year later, I went to another garage to get another car. This new dealer did all the usual checks and so on on my old car, and at the time (shamefully) I did not know that this would be a problem, and the new garage didn't mention anything either about old finance, they even did a credit check on me. So off I go, with my new car...a whole year later (yesterday) I got a letter from Close Motor Finance (the old finance) saying that I sold the original car and was not permitted to do so, they've given me a settlement figure..which luckily, I can cover, but have also said that this is theft and that they are going to report this as against the law. Now forgive my naivity here, but surely..the garage who took the car, should have picked up that there was finance on the old car, and arranged a settlement there and then? I was pretty young and stupid when this all happened, but am now worried about the consequences of this happening and whether anything can be done to stop it. Thanks.