arnold clark are a totall disgrace,over the last year the stress they have caused us and its still ongoing is unbeleivable!!! iv payed three quarters off my car my last finall payment is a ongoing nightmare!!! they said they didnt receive the paperwork back to carry on the payments so want it all are want take it back,they cancelled our direct debits and put the car in someone elses name then tryed charge us nearly £200 off defaults after arguing for months to get them to see what mistake they had made they finally realised but then said it too late we cant re finance coz they made the mistake!! two months ago we left the case with them they said they would get back to us now we just got a letter saying its been moved to there solicitors to come and re posses the car,this car could have been payed for now over the last year if they hadn't messed it up,they been a total nightmare for us