Hi I really need some help. I purchased a BMW on residual and struggled but paid all but 2 premiums out when the residual payment date arrive in NOV 2018. My efforts to ask the credit provider for further extension to finance was unsuccessful. I then proceed to ask the NCR and Motor Industries ombudsman for advice and that was no help either. The vehicle packed up 4 days before the date of payment for the residual. It was towed to my premises were it stood. I have been a terrible financial downturn since beginning 2017 and had no income coming in my wife tried her best to help us considering our losses. I sent communication via email and telephonically to BMW to collect their car as i was in no position to have the vehicle towed to them. Since end November till today 22 May i have not had any formal communication from them or signed any documents. I understand that the summons can be served any how they please but i noticed the following my gender is incorrect in the document, the financial services made a mistake on the engine no. on the documents when selling me the car and now added this a amendment to summons claiming accepted this as part of the deal. Which i never did! The recent recall on all models of BMW internationally also is something i was aware about and this is the problem I complained about to the servicing agents when the car was last serviced. The vehicle has been parked off in my yard since and now i am being served. I requested them to recover the vehicle and was not willing to sign any documents until then. I don't know what to do as i am in no position to fight financially or pay off the debt as i have been self employed and the business completely failed leaving me in a very bad position. Please advise me i don't want a judgement and i was willing to sell the car and pay the difference to them settle the outstanding, which i emailed to the collections department.