Thanks for the advice, how quickly will they want the car? Do you think it'll be almost immediately or anyway I could drag it out to end of the month of september?

Hello All, I used moneybarn to purchase a car for 7k, over 39 months equaling 10.5k all together. I am paying £280 a month, I currently have one month arrears from about 3 months ago that im paying back in a payment plan of an additional £50 per month. Around £200 left in that arrears, my payment is due again tomorrow however and I am struggling to afford it. I am not 1/3 through my agreement, however I am wanting to VT my car and only be liable for the 50% which will be roughly 5.3k and ive paid around 2.3k minus arrears, so il be about negative 3000. If I send a VT notice today, will this work? Also regarding the remaining 3k will I be able to make a payment plan for this? I currently use a debt management plan so could I add this to that? Or are they going to hound me to go to court and all sorts of silly things? Please help?