got a DEPT LETTER FROM A COMPANY CALLED " TOCATTO " ABOUT A CAR I HAD ABOUT 5-6 YRS AGO OF CYGNET , I ONLY HAD THE CAR FOR ABOUT 5-6 MONTHS AS IT SPENT MORE TIME IN THE GARAGE THAN IT DID WITH ME LOL, AS THE GEARBOX WAS KNACKERED, I ONLY MADE 2-3 PAYMENTS ON THE CAR AS I SAID TO THEM I WASENT PAYING FOR THE CAR AS IF I COULDNT USE IT AS IT WAS THEM THAT SOLD ME IT LIKE THAT, FERTHER TO THIS AFTER MANY ABUSIVE PHONE CALLS , WARE I TOLD THEM THEY CAN COME AND GET THE CAR AND STICK IT WARE THE SON DOESENT SHINE, TO WHICH THEY DID COLLECT WHEN I TOLD THEM IT WAS NO LONGER INSURED AND I HAD GOT ANOTHER CAR, I OFFERED TO PAY A SMALL AMOUNT IN PAYMENTS TO SETTLE THE DEPT , THEY TOLD ME THAT THE WOULD COLLECT THE CAR AND AUCTION OF AND THAT WOULD SETTLE THE DEPT. FERTHER TO THIS ABOUT 6 MONTHS LATER I HAD MY CREDIT SCORE CHECKED THROUGH A REPTABLE COMPANY AND IT WAS STATED ON THIS REPORT THAT THE FINANCE ON THE CAR WAS " SETTLED". I RECIVED ON THE 7/1/2012 MY DEPT LETTER ASKING FOR FULL AMOUNT OF THE ORIGINAL PRICE OF THE FINANCE WHAT CAN I DO HHHEEEELLLLPPPPP