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Speak to someone else then....maybe just make a large lump sum payment and leave a few pounds and clear the rest on your debt card....taken from the web site:
How can I make payments?
Direct Debit - To make payment by Direct Debit please call us on 0370 5050 150. You will need to complete a Direct Debit Mandate Form, which you can download using the buton below, to confirm your new account details. Please be advised that we may ask for additional information if the bank account is not in your name.
Card Payment -This is the quickest way to make a payment, simply call our card payment line on 0370 5050 150. We accept the following credit or debit cards at no additional cost to you – Solo, Switch, Maestro, Visa Electron, Visa Debit, Visa, MasterCard, American Express.
Bank Transfer - Please call us on 0370 5050 150 and we will provide you with our bank details.
Standing Order - Please call us on 0370 5050 150 and we will provide you with our bank details, together with the instruction you need to complete and take to your bank.
Cheque Payments - Please make all cheques payable to BMW Financial Services, and send to the following address quoting your agreement number on the reverse of the cheque: