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Any agreement will be regulated by the Consumer Credit Act and therefore the same laws apply in England and Wales as they do in Scotland for this.
My question is: what can she do? It is unlikely that she can get any money from him?- I cant say. She has a choice whether or not she wants to sue him for the money. If she is paying it and he promised to pay back, this is a contract and she can sue to get a Court Judgment which could be enforced.
Can she have the car repossessed? - She can. If she is named on the finance then she can give voluntary possession. This is where she ends the agreement. Clearly there would be sums still outstanding and cost to this - but she can indeed ask the finance company to collect the vehicle.
She is trying to avoid going to Court, if possible? - I think sadly she has 2 options. To continue paying or the car is taken back. Even if the car is taken back there will be a balance outstanding which will need to be paid.
Therefore sadly I think taking the person to Court for sums owed is going to be inevitable.