Negotiation of payments

Hello Peter,<br> <br> I wrote an email to Arno after I received a call which I could not take. I explained in the email of the challenge that I was facing financially and thus was expecting to make payment in March which was supposed to cover the arrears. <br> <br> I never got a response to my email but now I get a letter of demand because he called me once today and never got hold of me. This is bad service. the fact that I am responding on email means I am willing to negotiate. It is just one of those seasons where I got a blow financially and trying to recover. I have been paying for this car, it was ****** in first month and have been paying it over the years. I would appreciate if the back can be supportive instead of adding to the blow of paying off a ****** car.<br> <br> I would like to get a proper conversation before getting a Letter of Demand. I have seeked Legal Counsel on the matter.<br> <br> Kind Regards<br> W. Madikane