Won't bore people too much with a sob story but I need and would appreciate some practical advice.
I lost my job last Christmas and am currently recovering financially having found a new job late September.
Needless to say, all my debts suffered during this period, including my car repayments to Ford (FCE).
My wife has since went off on maternity leave so our income has not yet stabilised.
In any case, we realised that we had not updated our account with FCE whe