Really sorry to hear about your troubles. Believe me, this site might seem confusing at first but it will become invaluable to you.(posted 8453 days ago)The best advice really is 'don't panic' - take a few hours to read through the site. Start by clicking on repossession under the options, and following the do's and don'ts.
The main thing to remember is that your chasers have to prove their claim to you, you don't actually have to prove anything to them. They will threaten you with all sorts but if they could simply go to court they probably would have done it by now. So take a deep breath, and hang in there.
If you need to ask questions - there are plenty of really helpful people that use this site.