Bearings aren't adjustable ( unless someone has fitted Vitara taper bearings at some stage.) Behind the washer, circlip etc is the bearing locking nut, which needs a special 'pin' socket to remove. The nut should be tightened to 145lbs torque so is tight!. I broke my pin socket the last time I removed the wheel hub. But if you get to this point tightening the nut won't take up the play in the bearing, the nut is also locked in place with a tab washer which has to be knocked back before you can loosen the nut.
