Hi I would be grateful for any help please if possible In 1999 i bought a car on HP which the value at the time was around 2K. Due to severe change of circumstances within one month of buying the car i told the finance company i could no longer keep the car as i was unable to pay for it. I sent them a letter telling them this and also via telephone. Due to the change of circumstances it meant at the time i no longer had a fixed address so there was no way of knowing what reply from the finance company was, also neither was i able to recover any belongings i had before these change of circumstances took place. Speaking at the time on the telephone i was told by the finance company that they would recover the vehicle and IF there was a remaing balance i would have to pay it. this week (13 years later) i have been contacted by a debt collecting agency for the balance of 7K for the car. I have never recieved a default notice or any comunication from the finance company in all the 13 years. I have changed address a couple of times but within 6 years after they recovered the vehicle i was at one address for 4 years. Perhaps stupidly i thought they would contact me and things would have been resolved, but they didnt and no i did not contact them because i had truly forgotton who they were not having any possesions at all from previous to the end of 1999. I am not trying to hide from this in any way i am just trying to resolve this but i do wonder that after such a long period of time what rights i have. I would be grateful if anyone can help. Thanks