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I recently fell behind in my car payments to Santander i got a phone call from lanarkshire car recoveries demanding full payment, i have gotten into serious trouble recently and couldn't afford it the only option they gave me was to pay 540 per month for the next 6 months, this is absolutely crippling me and i have already had to sell many possessions to meet this. My concern is i have not had a letter from this company, just a phone call threatening to take the car if i don't pay and they just phone me every 4 weeks to make a card payment, no acknowledgement is offered. if i have to pay that amount again this month (22nd) i will be finished. i know its my own fault for falling behind the reason i fell behind was not having enough money and not knowing how to deal with it. does anyone know if i can open up communication with this company and negotiate lower payments or at least does anyone know the process of car recovery, do they just show up wherever they want and take it away? Meant to add, they called my work last month and told my staff who they were and why they were phoning, this caused untold embarrassment to say the least.
