Debt Story #16

I bought a car from yes car credit in 2005, i returned the car voluntarily a month later with the promise that i would owe nothing unfortunately i dont have this in writing. I didn't hear anything from them about the debt until i checked my credit rating on Experian in 2009 where i had a default against me. I phoned to enquire and try to clear it as i dont owe anything but they told me i had to pay the debt that day or arrange a payment plan and said they would accept £500 a month to clear the debt, i told them i could not afford this but they wouldn't accept anything less! I am now in dispute with them over the debt although they wont listen to what i say i am currently working towards the angle of the debt is unenforceable as i was miss-sold the agreement and my deposit was used inappropriately. All my other debts i accepted responsibility for however and paid them all off within 4 months by making deals with the creditors (i owed around £3000) i managed to wipe off around 60% off the total debt by arranging quick settlements with them i had 4 separate creditors so it can be done if you talk to them yourself!