Hi Guys, Hoping you can help. I bought a car on finance through a trader (the trader it turned out was not a ethical as he should have been! and no longer as far as I know in business) who arranged the money from Lombard the amount £27k over 5 years. That was Dec 2006, The money was paid into the traders account and he set up the credit agreement. £575 p.m. The credit crunch hit my small business hard in 2008/2009 & I couldn't afford the payments so I told them to collect it that was June 2009. which meant I had the car for 30months when I asked them to take it back. They arrived & took the car back. I wrote to them in July 2009 asking them to let me know what they had sold the car for and how many payments I'd made & I'd make up the shortfall to the £27k borrowed and to please respond in 30 days. They never responded. 2 & half years later I received a letter from the Land Registry stating Lombard wanted to put a charge on my house for £14,450!! and the acting solicitors were Shoosmiths & I was to appear in court 2 July at 3pm to contest it. On advice from a friend I rang Lombard and asked them to send me a copy of the agreement, the copy I received was very poor & some of it not clear. However I rang Lombard and asked for the amounts of monies I had actually paid to them, at first they said £12,450 and they sold the car for £10,500 I said thats only £4050 I owe Lombard and if they unroll back the 30months of interest I won't owe that much, they then refused to speak to me saying to ring Shoosmiths which I did, I asked the same questions about the monies I had repaid they replied £24,800 in all,l I mentioned they sold the car for £10,500 so how can I own them £14,500! I am & have been in financial difficulty since 2009 and have put my debts in debt management. Today 2 july when I was to appear in court with Lombard Shoosmiths rang to say the case had been postponed. I believe there is a law which says I can give back the car half way through the agreement? Also as they never responded to my July 2009 letter can I make a claim for equal liablity?