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We’re offering both Payment Deferral and the options above as concessions, to try and help you cope with the impact of COVID-19, and in line with FCA Guidance. They all involve temporarily suspending or varying some of our rights under your existing finance agreement but only on a temporary basis, as required to accommodate Payment Deferral, and so the actual terms of your agreement have not changed. 
If you do not keep to the terms of the option you have chosen it will terminate automatically and any remaining amount of Deferred Payment, together with interest due, will be immediately repayable.