You can refuse, but doing so will not stop the process. Likely as not refusing will only result in repossession at the most inconvenient time and place for you.
If the car doesn't belong to you and you refuse to return it, well, that's stealing. What can happen to people who steal?
No
And?
Here's the keys.
I would think theft
Yes
This depends upon your credit score.
Keep the car at a relatives or friends garage
I am presently two months in arears in payments to the bank. I am presently looking for work with fairly good prospects How can I prevent reposession of my vehicle which is critical in persuing job search?
reposession
Up until the day they sell the car. As long as you pay the repossession fees and make up all back payments plus any administrative charges. That is if the lender agrees which they do not have to do. You broke the contract when you failed to make the payments on time so they can refuse the payments and sell the car.
There is no set limit on the amount that can be charged for a repossession.