was does recession of contract mean? Also I was wondering if they turned up at my door wanting the car back and I give them the keys doesn't that technically mean i've done a VT?

Hi Guys I have a car with Welcome, I have one more payment before I can hand it back without paying anymore. We are moving soon, because due to the nature of where we live there are no buses. I'm gonna try and hold out for as long as I can before giving it back. How long does it take them to issue a court order, or does someone turn up at the door in the meantime? I've read in my T&C's that if they take it back without a court order then I am entitled to every penny back that I have already paid, but if I give them the car keys surely that is classed as surrendering?? Many Thanks, Simon