If you had a vehicle under a credit agreement and the car was repossessed due to handing the car back early, or due to not being able to afford the finance for whatever reason, there may be a car finance shortfall debt which will then be classified as an unsecured debt.
Once the car finance shortfall debt becomes an unsecured debt, the lender is then added to your list of creditors in any Debt Arrangement Scheme or Protected Trust Deed.
In any instance where a car finance shortfall debt exists, the unpaid debt will be added to your Trust Deed as a creditor.