In 2005, I had a van repossessed by the finance company, as I could no longer keep up the repayments on it. A few months later, they came back to me looking for over €3,000, which they claimed was still outstanding on this van. I was unable to pay this, as I had become unemployed and I thought that having the vehicle repossessed would have been the end of the matter. After a while, they gave up trying to recover this money.
Fast forward to July of this year, when I received a phone call from a company I have never before heard of. It seems they took over the debts of the previous company and they are now chasing me for over three grand. They have sent a couple of threatening letters and even a form on which they expect me to provide evidence of my current financial situation, down to every last cent. My question is, after all this time, do they have the right to threaten me with legal action to recover this debt, or should I call their bluff and ignore them?
Fast forward to July of this year, when I received a phone call from a company I have never before heard of. It seems they took over the debts of the previous company and they are now chasing me for over three grand. They have sent a couple of threatening letters and even a form on which they expect me to provide evidence of my current financial situation, down to every last cent. My question is, after all this time, do they have the right to threaten me with legal action to recover this debt, or should I call their bluff and ignore them?
