In 2006 I lost my job and fell into all sorts of financial problems. Things got so bad, I couldn't pay the mortgage, the flat I lived in was repossessed. This happened in July 2008. By this time I'd managed to get another job but it was too late to do anything about the flat. I contacted Payplan, before being evicted, and entered a DMP in March 2008. Very shortly after the repossesion Payplan contacted me to say the amount I owed to RBS was zero. The flat had been sold. I never contacted RBS or Payplan about this news....it was a huge relief. I've been paying into the DMP for over 4 years now and will have repaid all debt by November 2012. Life is getting good again.....BUT.....about a month ago I got a letter from HL Solicitors, acting for RBS, demanding over 9k. The amount they say I owe on the mortgage for the repossessed flat. HS letters haven't been like normal debt letters. I've had 3 and replied to none yet. The first was just a straight demand. The second said their client was sympathetic and would accept a lower amount or instalments. The third, received today, expressed disappointment I had not responded but again talked of the bank's sympathy and the possibility of a lower lump sum payment or instalments. The tone of the letters to my mind suggest a balls up on RBS's part. It may be morally dubious but if there's a chance of getting off on a technicality then I'll take it. If anyone can advise or has an opinion then I'd greatly appreciate hearing it.

Many thanks. I am resident in Scotland, however, I'm not sure if it makes a difference, Search UK, the debt collector, has an England address. I will send them a subject access request. Is there a place on the site explaining how I complete the form? I had a quick read of the template and don't quite understand how to complete it. It's the stuff referencing the bank and data controller I don't understand. Again, very much appreciated.

Today I have received a demand for payment from UK Search Ltd on behalf of Compello Operations Ltd. The demand relates to an HP agreement I took out with Welcome Car Finance in 2005 or 2006. I can't remember exactly. I had the car around a year before handing it back to Welcome Finance due to the fact I had lost my job. After giving the car back, in what must have been 2007 I never heard a thing from Welcome Finance again. Now this demand has appeared for £2999.74 . Given they got the car back and the length of time that has passed am I still liable for this? Any advice is very much appreciated.