I bought my car in july 2007 on a hp agreement, i was made redundant in nov 2007 i was unable to make the monthly payments until i got a new job. As soon as i had wages i started to pay again, i had informed the hp company. I began to get into arrears. I was back in work in early 2008 but was made redundant again april 2011. The loan company had try to increase the monthly repayments but i couldnt pay the amount and fell further into arrears. We made a new repayment at an agreed amount and i have been keeping up with all payments. I missed one payment in Sept 2012 and have paid all the others months. I had a letter from a solicitor saying the matter was in their hands. We left message on their voice mail to contact us and said payments had been made. We had no response from them until Friday 23rd Nov with a acknowledgment of service from county court on behalf of the hp company. the direct debits have been coming out of my account since the solicitors have had the case, and now im hit with the court. The car cost around £16k, ive paid £12k and owe £4k. Can the court allow my cAr to be taken off me when ive paid majority off, if they take my car can i get the amount ive paid them? How and what do i do to fight and keep my car, without my car i cant get to work etc. Do i stop paying the direct debits or continue? Any advice please ?