having set up hp for my car finance with ford with payments coming out of my lloyds tsb acount i later became financial unstable and went onto a debt managment plan and was tol to no longer use my account i phoned ford to change my direct debit to my new account but was told they wouldnt change it while my account was in arrears and had to pay my account up to date b4 they would. can they do this as if my account details had been changed i wouldnt be in the position i am in now with the account having an expired default notice and ford refusing to take any payments from me as they have passed it on.

ouch my neck is so sore should have been the first words out of ur mouth followed by expletives to get him to accept the blam. Yes you should have reported it to your insurance as ur not a qualified mechanic ( I assume) so cant tell what damage lies behind the scenes

Having managed to fall behind with my finance payments I receaved a default notice from the lender ford credit uk I got round to ringing them to make a partial payment. Ford credit refused to take any money from me as it had been passed accross for colection and refused to help me in any way.