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Hi In need of some advice had debt collectors burlington to repossess my car from moneyway has 2nd default in 3.5years loan was 6000 + interest 4003 they added i owe 400+ in arrears i have paid back over 8000 but they wont accept payment plan for arrears want an amount of 976 within the week this includes 300+ balliff fees i cant pay it . .balliff wanted me to sign car over but having paid over 8000 this for me wasnt an option if i dont pay it they tell me the court will collect it is this right can they get away with this