Hi Digressdelay, Would you mind giving me an update on your progress with MB. Am in a similar situation (non regulated agreement) and am more than a three quarters through the payments but due to the global financial crises if difficult to keep up. Although I haven't defaulted. I have written them to reduce the payments for a while but they refused. Can they just repossess the car like that even though I have made more than three quarters of the payment? Am confused please help!!!:confused: