That makes sense, but who is the legal owner of the vehicle then. they have said I can return the car and they well sell it at auction but I belive i will get very little for it and still be left with the rest of the balance.

On all my documents I have from the company including my credit agreement it states that it was bought with a personal loan or Fixed sum loan agreement with no mention of conditional sale. I was under the impression thatI was the legal owner of the car, otherwise surely the company would of took measures to recover the vehicle. Thank You.

how long does it usualy take for them to pass your debt on to Clarity?

I recently cancelled my direct debit which was for around the £800 as i had been gettin a reloan every month for about a year as i just could not stop and take the £800 hit.... I was recently made reduntant i panicked and cancelled my direct debit, I have since had numerous phone calls from someone called Owen, I have paid £100 towards the debt but he is ringing everyday demandin the rest.... so glad I read your posts as i was ill with worry over this and all your adivce has eased my worries.. thanks all.