Hi I am in exactly the same position,I missed. a couple of payments because the car needed repairs carried out, I paid £1000 in repair costs and I kept MONEYBARN updated by email(that they rarely respond to) & now I have 7 days to pay the full balance outstanding or return the car to them. i don’t know what to do & if I do hand the car back I’m afraid I’ll end up with more issues with them. Please help