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,