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Good evening Having recently been turned down for credit I checked my credit file and found a default for what would have been yes car credit. It was registered in November 2009. This morning I received a letter from Robinson way totally out of the blue. In short I had a car from yes car credit. Had a mental breakdown due to marriage breakup. Had a visit from yes car credit asking for the car keys back As I had paid almost 6 k to them and spent a further 4 k on "wear and tear" I dropped the car back in a road next to office and put the keys back through the letterbox and called them next morning told them where to get the car. Last payment I think was at end of 2008. So question is can they now "buy the debt" so near the limitation ? To be honest the default drops off in November but my last payment was way before that date. Any advise appreciated Thanks