Due to excuses i wont bore you with, i have fell behind with 2 months car payment with Duncton. The total comes to £698 including default charges. I recieved a letter mid month telling me i had to make full payment of this by the 22nd of this month or the agreement would be terminated. I spoke to a girl shortly after called Esther who had called me as i never had a valid DD set up, and i explained to her that as i dont get paid till the last banking day of the month, i would not be able to make any payment till after the 28th. She said this was ok and that we would set up DD details when i called in.On the 26th, i recieved a letter saying that my agreement was canelled and that i am no longer driving the vehicle with their consent. Included with the letter, was a pamflet detailing what i need to do before they recover the vehicle. This has caused me no end of worry as i only ended up in this mess due to circumstanses outwith my control. I spoke to people at Duncton and i was very apologetic about falling behind and stated that i am still very much willing to pay for the car and need to keep the car. I also said that i wish to clear the outstanding amount and bring everything up to date again so that i keep the car and they maintain to get the money for the car .They have said that i need to pay £1000.56 in one lump or they will pass it to legal to apply to the courts for collection of the vehicle. I cannot afford £1000.56! This is made up of 2 months arrears, default charges and 1 months rental which is due now. I asked if i could make a lump payment and have them increase my DD for the next few months to bring it back in line, they said no! they dont do any form of payment plan and if i have struggled paying my original DD amount of £308 then increasing would not help me. I just asked what i would need to do to ensure that i keep the car and bring things back to normal, they told me either i have to pay the £1000.56 in the one go or:- 1) The account is passed to a collection agent who act on Dunctons behalf to recover the arrears. The agents are instructed not to accept payment plans and are only given a certain amount of time to recover the arrears. When asked about the amount of time, he said "till the end of this month at the most" 2) Duncton apply to the court to recover the vehicle.What bugs me is, i am totally willing to pay and i am in dire need to keep my car, they just seem unwilling to work with me so that i am able to clear this in the right amount of time so as not to fleece me and leave me on bread and water for the month My car is on Conditional sale and i will have had it 2 years this July. Can anyone help me out?