They've already terminated the agreement and state I can't do that unless I pay the finance. There's only 2.5 grand out of an 11k agreement, I'll loose so much and its about my kids being able to access their therapy, appts etc. I can probably raise the settlement in a couple of months, its so close.

2 missed payments last year cleared by third, no action. Missed payments earlier in the year with disabled daughter exclusions from school. Evidence tried to call but no answer on numerous occasions.

Been through old paperwork, letters referencing cca but can't find a specific default notice referencing arrears and payment deadlines.

Hi all, really need some help. Was 2 payments behind and been making reasonable attempts to contact them but never been able to get through. Suddenly out of the blue termination letter giving me 24 hours to respond which wasn't even posted until 24 hours after the date on letter. Leaflet offering 3 choices, return, pay settlement (call for details) or under special circumstances pay arrears and reinstate. Not allowed to drive car as they have withdrawn permission. I believe I fit special circumstances, have 3 kids with varying levels of additional needs who will be severely disadvantaged by this. MB are aware of my caring responsibilities and vulnerabilities. Spent every day since Wednesday trying to get through, have the arrears and no further issues with payments or going forward. Can't get through at all so now panicking as can't get kids to appointments, schools as not allowed to drive. I'm well over 50 percent of the car paid, do not wish to return and could probably fully settle within the next few months. I'm sure I can overturn when court application for repossession is triggered bit don't know what to do in the meantime. We're just coming into school holidays, one of my children can not access public transport and not having a vehicle is going to significantly impact their wellbeing and isolate us all summer, not to mention getting to appointments etc. Can someone give me some advice on if there's anything I can do in the meantime or to speed this up or regain use of the vehicle? Thanks.