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Thank you for the question. Unless expressly stated in the contract the company were not legally obligated to give you a finance holiday. Sadly, the courts have been very clear that the pandemic does not have an effect of the legality of contracts, therefore if someone was unable to pay a contract they would still be breaching said contract, despite Covid causing them to not have an income. Therefore the company have taken the position that you have breached the contract and exercised their right to terminate. Therefore if you keep the car, they will likely charge you further fees (which will be outlined in your agreement) to obtain the car back. Therefore financially it would be better to hand the car back when asked. I would read carefully through your agreement to see what the position is here and what you are required to do. If you are not happy with their dealings, you can escalate you complaint to the consumer ombudsman.
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