Not 100% sure about Scotland but I think it is 5 or 10 years. I have a strong feeling that the debt is statute barred after 5 and so it looks like you may be okay - can someone else confirm that. I would not recommend ignoring the letters as if they can prove it it will nopt look good if it goes to court.(posted 8273 days ago)Ask for the MIG and other documents as listed on the do's and don't's section of repossession on the left of the web site.
E-mail me directly with more details of your case and I should be able to offer something more.