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Sorry I should have added i am under a 1/3, inital finance was £17445.04 I have paid £3700 & I have paid all arrears & January payment too over the weekend as I feel alothough they have said it wont make any difference & wont be logged against the arrears it will just go off my final liability.
Thank you for your quick responce. Do you know how long it takes to apply for a time order? I already have the N1 form but it wants to know what I want to recover or reclaim I am unsure what to put as I am not actually wanting to recover or reclaim anything I just want to stay paying £250pm & carry on as things were.Would the judge be able to order the finance company to reinstate their original agreement with me?
I am thinking that I was only in an agreement with them for 3 years I was 1 year into it & would then have been able to hand the car back with a option to buy. This has just all been a awful stupid mistake that has gone way out of control! thanks Alex