If by any chance you are in Scotland you could try Mike Daly at the Govan Law Centre in Glasgow who specialises in this field (reposession etc)...other than that you have to go along with what D J Button has told you and he knows what he's talking about.(posted 7004 days ago)Are there any Community Law Centres where you live ?/ I would have thought CAB would have advised you if there was.....as they usually have solicitors doing legal work for free.
Good luck
Moira