I appreciate this is a bit of a unique set of circumstances, if it was straight forward there'd be no need to post here, but I wanted some clarification and advice.
I'll try and keep it simple.
At 20 years old, I got my first car in October last year, Smartmiles was the cheapest insurance because of the box, however I still wanted to pay monthly due to my working circumstances and financial situation.
In June, with only 2 payments to go, my direct debit bounced due to negligence on my part.
I became aware of this, and went on to Creation's website (who manage my