I purchased a car 2 years ago via Moneybarn, but got behind with payments due to reduction in wage   . After failing one month on a suggested payment plan, they sent me a default notice followed by a letter of termination. The leaflet enclosed with it said I had 3 options: 1: Pay off in full 2, pay arrears, they MAY let me keep car 3: hand car back   I called them on the phone and offered to pay arrears in full but the rude gent said their hands were now tied and termination could no