In 2005 I brought a car on finance with payments over 5 years. Last year I was unable to pay the amount and so the company collected the car. I must add that when I bought the car I was told I would pay the interest first then for the car in which after the first 2.5 years I could give the vehicle b...

I had a car on hp up until August 07 when I fell into arrears with the creditor and they collected the vehicle. They have contacted me today for the first time and told me I owe £10727. They say it is for the shortfall even though I took out protection against this. They have also said they could ta...