I took a loan for the purchase of my car to drive as PHV, so it's under hire purchase scheme. However, I stopped driving PHV and have converted my vehicle to P10 under LTA. The credit company that I took the loan from for the purchase is telling me they will repossess the car due to breach of contract, even thou I have been paying the installments on time, paid for commercial insurance so that they continue to get a cut out of the insurance premium. Are they authorised to repossess back my car? And why?