Hi I'm separated from my ex wife, and I signed my car over to her, but unfortunately I didn't cancel the payments, for her to take over, I have just found out, that the last 6 months she hasn't paid a penny, I have offered to pay the debt off at £4000 in a week or two, but they won't accept my offer and want me to surrender car, which I refuse to do as I want to keep the car, what can I do.

Try to negotiate a settlement they will accept. You signed a contract, they have the upper hand.

I have to surrender car tomorrow, but I'm wanting help and advice, as I'm not returning car as its been passed to a debt collector, and they won't accept my offer to clear debt.

Try to negotiate a settlement they will accept. You signed a contract, they have the upper hand.

They won't accept my offer as its been 6mnths, but I only just found out other day, so they want to auction car off, which I don't want them to do, as il have money to clear debt, what are my rights, what can the law do if I don't surrender car.

They can repossess the car. You can pay the outstanding balance in full to forestall the repo.

They can repossess the car. You can pay the outstanding balance in full to forestall the repo.

What if they don't know where I live, I have tried to reason with them, but all they say its far to late, they just want car back to auction, and if they don't get price for car, I still have to pay the outstanding amount, can the police stop me for theft, even though car is in my name.

No, but if there is a lien on the car and the police stop you for other reasons, they might be able to impound the car. And don't be too sure they will not be able to find the car.

Yes ScottGem is right If there is a lien on that car and you were to get pulled they could impound that car
And don't think they can't find that car,You have tags and insurance don't you?