Hello my name is ***** ***** I will help you with this.
Did you default on the car please?
You did or did not default?
Ok - its bad news I am afraid. Even though the debt is statue barred that does not mean they are not entitled to payment.
Therefore if you owe the finance company they can set off the payment.
The insurance company can pay the finance company as they still have an interest in the car
Can I clarify anything for you about this today please?
If this answers your question could I invite you to rate my answer before you go today, otherwise the site doesn’t pay me for the time spent with you. Thanks in advance and good luck.