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repossession of car

Has anybody had any dealings with renault/nissan car finance. I have a car on hp with these, and haven't made any payment since september 2011. I have had a few letters, mostly just adding charges, and one letter saying that I had to bring the account up to date by the 18th February 2012 or they will repossess the car. I'm fine with that - I'm about to go BR anyway - but does anybody know how long they will take to repossess the car? I need it for work, and have some cash to buy a replacement, but obviously am happy to keep using the renault as long as I can. What I can't be is left without a car - I'd lose my job - so want to have a replacement ready for when they come.

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