my partner part ex-ed his car 3 years ago with arnold clark the car he was swopping had finance on but sales rep showed us figures of new car and settlement figure and what we was paying per month figures looked correct yet 3 years later we get a letter from fortis lease car finance saying he owes £10,000 and they wanted it in full. when contacted them they said that the finance on the car had not been settled they did admit to a clerical error saying that was why it took 3 years to contact us, we contacted arnold clark they said it was not their problem and everything was done correct by them at time. my partner does not have this kind of money at moment told them this they said they will accept £10 a month until finances improve but they are going for charge on property can they do this as the property is in joint names but the debt is in my partners only?..