Back in Jun of this year a JNCO wants to buy my BFGd van from me. I said that I would happily accept payment in 3 installments, he paid the first one no issue 300. I told him that after the second installment he could take the van and BFG it in his name, until then it stays in my name and on my insurance. I gave him a months grace of payment as it was summer leave, and we know how costly travelling can be. In Aug on payday I emailed him asking him for the second installment, he told be that he would pay in 3 installments but they wouldnt be monthly. hmm I told him that once he pays the second installment he can take the van as agreed, however he wanted me just to give him the docs, I refused stating that we needed to follow BFGVLO procedure ie de-reg/transfer of ownership. He then said to cancel my insurance and leave the van on camp, I said as soon as I cancel the insurance BFG will want the plates He became very disgruntled when I wanted to follow procedure then stated today that he wants his initial installment/down payment back. Am I legally obliged to refund him or not?