Hey guys, A short time ago i wrote off my bike while riding on a private track and consequently was not covered by my insurance. Due to being an idiot - i did not think to take out track insurance. My bike is currently under finance by YMF who i have now notified of the write off and they have told me i need to pay off the total balance remaining immediately - some $9,000.00 odd. Now, i can't afford this however i offered that i'm more then happy to continue with the direct debit lodgement arrangements that i've been paying for the past year however they've said that is not acceptable. I've sold the wreck to pickles for $1,200.00 which i have instructed them to pay YMF which they are in the process of negotiating. However, the remaining $8,000.00 or so is up to me. Just wondering what my options are here from a legal standpoint? Can they take me to court? They told me i should get a loan from somewhere else to cover the remaining finance amount but i'm reluctant to do this. Is it not possible for me to pay off the remainder on a monthly basis to them? Any help would be appreciated.