I'll try to keep this as short as possible... I took out finance for a car with Moneybarn back in November 2015, amount borrowed 9k, amount to repay 16k (roughly), £280 per month. In January 2016 I lost one of the two jobs I held, reducing my income dramatically. I fell behind on January's payment and contacted Moneybarn within a day or so of the money being returned from my bank account. I spoke to a lady and explained my current financial situation, I asked her if it would be possible to help me through this temporary bump in the road. I was asked to fill out an affordability form, however, far from helping me, I was instead told that I was deemed unable to afford my monthly repayments (which I already knew) despite my numerous requests for a temporary lower payment plan, which I was happy to pay interest on, she refused. I received an arrears notice shortly after, and swiftly paid it. In February the same thing happened, my repayment for the end of the month was once again returned due to lack of finances. I didn't want to just ignore this, so I once again contacted Moneybarn customer services and spoke to a very arrogant gentleman. I explained my situation and pleaded for a lower repayment amount until such time I find a second job again. Despite this, he was adamant that this would not be possible, and pressured me into agreeing upon three "exit options". He vaguely described what each option meant, and when asked to send me this in writing - so I could carefully consider each option - I was told this was not possible. He told me I have 20 days to find second employment and provide proof of my affordability for the original £280 per month. I said I would do my best, however, a month later and I am now two months into arrears (Febuary & March) and I still only have one job as I have been unable to find second employment so far. After my last phone call to Moneybarn Customer services in which I was spoken too in a very arrogant manner and felt pressured into agreeing something which I didn't fully understand without being able to properly read the details - I decided against contacting them via telephone. I instead wrote a letter on March 15th to Moneybarn's head office, detailing my current situation and requesting that my account be frozen until such time we can agree upon a fair outcome. Exactly one month later I received nothing in reply from them, so I decided to email them instead attaching my original letter. In response to this I received an email saying "Sorry we cannot discuss this matter via email, your account has been passed onto our Asset Management department, please call our customer service number" even though, I quite clear stated that I did not feel comfortable discussing this over the telephone and wanted written information where I can carefully read and consider what is being said to me. I once again requested for a postal address for their Asset Management department, in response, my request for an address was completely ignored and I was instead told their next action is to appoint recovery agents to come and take my car, and if I would like to discuss this to call their customer services... So far they have ignored my original letter, ignored my requests for written information of what is being said, and avoided helping me in every possible way. Despite their tag line of being "committed to working with customers to resolve any issues". I don't quite know what to do next, or what options are left for me? Any advice would be greatly appreciated!