Advice please

Chrissy1154

I purchased a car in January 2019 
in 2020 I ended up out of work due to Covid I took a payment holiday for 3 months but had to sign on which meant I could not pay I was luck my to get a Christmas temp role in October so emailed the company to start paying my loan and paid an extra £50 off the arrears in April of this year my temp role was terminated 22nd April but I continued to maintain my payments I had a telephone call from them I call them went through my earnings and ended up paying an extra £50 my car loan is £350 per month but have been paying £400 so then went to £450  out of the blue and no discussion they have sent a default notice and termination I haven’t defaulted on My payments i called them they said we have to do payment plan I told them I spoke to someone on the 7th April went through my earnings and an extra £100 was agreed can they do this I havepeoofofmy payments through my bank 

Ebe_Scrooge

Jesus, some punctuation would help!

As far as I can make out, you defaulted on your monthly payments, now they've set up payment plan, having assessed your income, to repay what you owe.  Is that correct?  If they assessed your income and a revised monthly amount was agreed, then I'm not quite sure what your question is.

AdrianC

You arranged a formal three months payment holiday with them last year.

But you've paid everything EXCEPT that £1,050?
And now you're repaying £50-100 more per month?