Had the same problem with them this week! Got car finance, 4 years paid, 1 year to go but got behind as been on maternity leave, have been trying to set up an arrangement with them for 3 months now and keep getting fobbed off! now they have turned the debt over to code red, spoke to them this week and they were AWFUL! Got nowhere, they said we could turn the car over, yeah right!! it will be sold at Auction for next to nothing! And how are you supposed to get to work?? The woman on the phone said well if you can afford car insurance surely you could afford your car payments???? Have accumulated other debts and everyone has been great, accepting lower amounts to clear the debt, all except this company. Had no trouble with them in the past until Santander took over! By the way the letter recieved said we had to respond within 48 hours which we did and the woman said Why are you ringing if you can't pay the amount off in full!! I said because the letter told me to! You can't win!!