Joe, a car bought on finance remains the property of the financier until the last payment is made. 99.999% of contracts will have a clause built into them whereby it is the responsibility of the owner to keep the car in ORIGINAL condition and not modify it in ANY way.
I feel genuinely sorry for the guy, but SEAT or the financier are well withing their legal right to reclaim the car as the term/s of the contract will have been breached. Even the OP on SCN admits this.
It is "The worst case scenario" come true for him, but he must have known that this was a possibility (although a small one!) and most peeps want to think "there for the grace of god go I"
I still think he was very harshly dealt with, but no-one except him knows exactly what went on or if he inadvertantly aggravated the situation in any way
