Also I asked if this would be put on credit file ' he said no ' I have just checked all 3 and there is nothing there but if anything from them appears on credit file what should I do ?

Thank you BazzaS , I just been on phone to PRA group spoke with a Scottish guy I asked when the agreement was signed he said 2011 , I said that's wrong it was more like 2002-2003 he admitted it was statute barred but could chase the debt I told him I will write to FCA then his next words was 'the account will be closed today and I would hear no more from them ''

Hello ,had a letter today from PRA saying I owed £3,900 I telephoned them and asked what is this about was told it was from a car finance debt from 2011 and not at the address I been living at for 13 years. I asked to see copies of credit agreement which the response was they did not have. after the telephone call ended and asked family I remembered having finance for a car in 2004 and that was the only one I had. Can they still chase me for that debt and why are they saying the debt is from 2011 ?