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jenni
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do you have any of this in writing or has it all been done over the phone?

i would write to them with a Data Protection Request (template on the forum) and ask for copies of the phonecalls and any other info they hold on file about you

i would also seek legal advice ASAP from the Citizens Advice about this because now they have terminated your contract they can just come and take the car without a court order and then chase you for the whole amount outstanding on the agreement
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Advice & opinions of the 'saynotoyes' team are offered informally, without prejudice & without liability.
Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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Approved Car Hell · Approved Car Finance