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Was suppose to start paying this month on the 27th of November, according to the arrangement I made, because I'm no longer getting paid on the 15th .... but now felt I wasted my time by making that arrangement, because now I'm on arrears for something I prevented by calling on time, so now it affected my credit and I'm not a bad payer, I've paid standard vehicle finance for 7 years without arrears but now . ...