I called them this weekend updating them on my financial hardship and new mommy-hood (single mother of 8 month old) and also to let them know of the checks I have auto arranged through my bank to being sent to them over the course of two weeks. I missed two payments. They refused any payments from me and wanted the full past due amount. They wouldn't even take anything I had during that call. Can they refuse payments? My car is in repo mode now and I will be paying the full past due this week. I let the auto loan company know this as well. Is it legal to refuse payments?