HI All After all the excellent advice received previously I may have mislead you all - it is not a HP Agreement but a Lease Purchase Agreement over 48 months. Have paid all below except final Outline as follows :- First £5225 + 47 X £461 + £5000 final rental payment . The car registration document is in my name not lease company (error at purchase stage by dealer - they have asked for it over years but ignored request) Query is will not be able to make final payment due tomorrow of £5000 but should be able to pay by end of September . How should I deal with very aggressive company always threatening repossession . Can they take it or do they need to go to court first / and how long does it take / Should I write to inform them I will pay end of September and offer late interest payment on top as compensation to them ? Thanks for helping

Thanks for your help it really put my mind at rest !

Thanks for all your help - first night sleep for a while . I will continue to support site from my background its been a real life saver !

Hi All First time on this - can anyone help me . I have the last of a 48 payment agreement next week and then a balloon payment is required within 7 days , think I will have problems raising cash due to tax bill - car is registered in my name but their letter is threatening repossession if the payment is not with them within the 7 days. Not an approachable company who have constantly threatened repossession throughout the 4 years if payment 1 day late. Any advise would be fabulous sleepless nights as need car for job !