I have been in the same situation with Santander. I offered a monthly amount which got declined, my wife and I are both on JSA after being made redundant. For some unknown reason Santander have now sold on my HP agreement to Close Credit Management. I have paid over a third so they do need a court order, but can anyone tell me why Santander have basically sold a debt (which is secured on the vehicle) rather than taking me to court? Was Santander worried I might win in court?