I'm in a similar boat but I had to chase BMW to take the bike from me
Once the bike was taken I receive a letter two weeks later asking if I would like to renew my warranty on the bike
I was amazed that the letter got to me because they had the correct name, post code and house number but the street was wrong as was the country. Instead of being in Cheshire they had me in West Lothian
So when that dick Tony Jakeman pretended like he didn't know when I'd met and talked to him on 3 previous occasions he was perhaps right.
I didn't get to the halfway point on the finance and I've had the odd letter and a call but they really don't appear to be that arsed.
It makes no odds now anyway cos I'm going down the bankruptcy route.
No little fishies will be hurt... just big fishies like credit card companies and bmw