I took out a hire purchase agreement on a new car in 2009, in Scotland. Two years later in 2011, I ran into relationship issues and became homeless with no fixed abode. I lost track of life in general and became very lackadaisical with money. Circa Feb 2012 I received a call on my mobile from a man, whom never identified him self. I answered. He told me I had not been keeping up with payments and I should hand my car back. I said I'd check the bank and would report back. I never did get back to him. In 2016 after hearing nothing about the debt for 4 years,