Cut a long story short I purchased a car in 2005 anyhow in 2007 it was stolen
I had finance on the car and gap but can not remember the gap company, my insurance paid me out £1700 which I forwarded to the finance company and the gap paid the rest...then in 2008 the finance company wrote to me and said there was £1000 still outstanding so spoke to them and we agreed I would pay another £400 I think so I paid them monthly payments by my debit card, on the final payment they sent me a letter stating the loan was all paid and finished that was during 2008.
I remember about 8 months ago sorting out the letter draw and threw all the letters away!
Anyhow I tried to change my car as I now need an automatic because of my back mad got refused credit......so I was advised to check my experian credit report which I have and to my horror the company that financed the car that was stolen have during 2010 until now every month they have said I owe £580 and am in arrears. It has destroyed my credit score it has come up 427 very poor because of these....
I phoned up the finance which is Birmingham mercantile and they have said they can not find my file but have now insisted if it says it on there then I owe it and have asked for a copy of the letter which states from them I have paid.
I told them I have destroyed it as it was a few years ago!!
Anyone know where I stand with this... I've not had any letters or debt letters from this company about the so called outstanding amount and I'm furious they have destroyed my credit rating.......
Cheers
J