In april of 2006 I bought a car on credit. On 21st of may that same year the car was invoved in an accident and was decalared a total loss. The insurance paid out in full as i was not at fault and the differnce was settled by the gap insurance i had taken out. Today (almost 2 years later) i have recieved a letter from a debt collection agency claiming i owe the original finance company almost £5000. I called to say this must be a mistake and was told it was not and if i do not pay in ful they would be seeking to reposses my house (something i thought would be impossible as the original finance was not secured on the house at all) I do not have much of the corrispondance from the acident in 2006, yet i do have a letter dated 18th october 2006 from the gap insurance company stating they made the final payment the the finance company. I also have a letter from the finance company dated 6th of June 2006 saying i was a valued customer and they would be willing to set up finance for me again if i wished to buy a new car. I have since bought another car again on finance with a different company and no mention was made of outstanding finace, also i have recently applied for a mortgage as we may be moving house and no mention of any outstanding money was made on my credit report. Finaly, until today i have not had any letters or corrispondence of any kind from the finance company regarding any money owing. I was promissed a call back today by the debt collection agency but they did not call. Any advice you could give would be great, as both my wife and i are very worreid about this. Regards