By law they cannot with hold your car.
They can take legal action against you for non payment, which you obviously will defend but they cannot keep you car. Only the court can issue such a demand. If they refuse to give you the car call the police and say that they have against your will taken illegal possession of your car under treat and you feel vulnerable. If they have any spence they will let you take the car. Trading standards is another point of call, they could shut them down! They have the power to do so. Good luck.
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