Perhaps your loan has been paid in full. Otherwise, call them and ask why they returned your payments.
You should contact your finance company to see what options are available. If they are not able to work with you to remove you from the loan, you may need to consult a lawyer. In the meantime, you should make the payments to preserve your credit.
You should contact the finance company. Perhaps, you can make smaller payments and stretch out the loan or perhaps you can turn the car in and avoid them the trouble of repossessing the car in exchange for not having your credit ruined.
First see if you can get the vehicle financed for a longer period of time, thus lowering your payments. If you can not do that then call the finance company and see if they can help some other way. Last, you may have to give the vehicle back.
Never done this one, but it's common. Make sure yall trade info. Know their finance company and make sure your finance company knows theirs. Call, talk to some at your finance company/bank an they should be able to help you, or if you want to remain anonymous, just ask a different finance company/banker and they should have someone there who might could help you explore your options more thoroughly. Remember... "it don't mean nothin 'till ya sign it on the dotted line"
You should check with the finance company. Some finance companies will not knowingly allow a "straw purchase" which is where you finance something your name when the item is intended for another person. I'm not sure about this part: but it may be illegal in some states. You may want to check the law also.
"What should I do?" Legally, you should contact the leinholder and arrange to deliver the car to a mutually agreeable location. That's probably stated in your contract. Keeping the car is only costing you money.
If you make your monthly payments on time each and every month then no. A lien basically means whoever you owe money on the car to can take it should you fail pay off the loan by not making the payments. In exchange for borrowing thousands of dollars so you can own the car, your car is put up as collateral so the finance company can take it should you fail to make payments.
So you want to choose a finance company to handle your money, but you aren't really sure where to look. A good finance company is one that, above all else, you can trust. You should be able to trust your finance company so that you won't have to constantly worry about things. This is a very important idea and it's one you should cling to. Be sure that your finance company has a good reputation within the industry. Likewise, take the time out of your schedule to sit down with them and see whether the company is a good fit for you.
It should not take very long to finance a car, depending on the car's model, condition, etc and also the finance company you are financing the car from.
Northern Rock
You will have better advantages
They will likely be by to pick it up soon. They are giving you every oportunity to catch up the payments(they REALLY dont want the car back, they want the money).