Be careful, they may take the car back, then sell it at auction and you will STILL OWE the remainder on the car.

If it was just a case of taking the car back via reposession you could give it back.

I would STRONGLY suggest having a chat to them and citizens advice as I think your about to get double tucked up.

Overpaying due to finance, then they take the car back, get 4k at auction and chase you for the remaining 6k.