1. They cannot repossess without a court order. In order for them to get this court order, they need to apply to court and they need to provide you with a copy of this application before they approach the court. You can then defend this application. The only other way is with your permission. The banks do this, though. They send their agents to try and force you to give consent, sometimes illegal tactics are employed.
2. Obviously, if you pay your arrears, such an application will not succeed.
3. You can negotiate with the bank for a payment plan on how to pay back the arrears and it seems that this is what you are busy with now. This is fine. Continue with that, but if they present you with a plan, make sure you get this in writing. If not, write a letter to the bank within which you confirm this new agreement that you have with them.
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