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Good day your question has been forwarded to me to see if I may be able to assist.
How many payments have you defaulted on? What does the agreement say about the repossessing of cars int he event of non payment?
Does your hire purchase agreement make any specific provisions?
The simple answer is if you default, notwithstanding having made payments towards the car for sometime, the lender may exercise their right to repossess the car where you have defaulted.
The reality is however that as this car has been driven by you for sometime the likelihood is that they may not necessarily want to repossess and may take this step if it is they are of the view that you have no intentions to pay.
I would therefore recommend that you get into contact with them and see whether you could arrange to come to some agreement regarding repayment. This is best instead of simply ignoring their demands as any steps taken by them through the courts to repossess the vehicle may ultimately affect your credit.
I hope I have clarified things for you. Kindly let me know if I may be of further assistance. Kindly take the time to rate the services received.
All the best
You are welcome.
Yes you could do. You may want to either call them up or go into their offices and speak with them about this.