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We took out a car loan with Hoopoe Finance in 1999. We couldnt keep up the payments and so handed the car back. We have over the years paid back various monthly amounts, as and when we could afford it. The amount of finance was £10,000.00 ish, so we have been paying this off for 10 years. The debt was passed to !st credit, but then when i queried the amount owed, it went back to Hoopoe Finance and we have been paying them ever since. I got a statement of account today that says we still owe £5,219.00!!! Rubbish. My question is do they need a CCA or not as they are not a DCA, but a finance company.

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