What are the pitfalls me only having car for 11 months? thanks in advance..

sorry

What would be the procedure for VT with me only having the car 11 months?

I asked moneybarn to move my payment from the 1st of the month to the 13th of the month.

As a result i was a month in arrears, but paid it off at £20 a week for the last 15 weeks.

Now ive just received an arrears letter for £305.35 which is my monthly payment,

they are trying to charge me 2 months money for moving my payment 12 days forward.

.anyone else had this problem??

advice appreciated.