Mrs S H - I deferred the payment on my vehicle for three months. I contacted the company who I finance my car through, explained my situation, they were understanding and they then extended my payment to three months at the end of my payment period.
Of course I am getting charged interest on interest, so hopefully if I can make additional payment on my vehicle over the next year, I can sort that out.
It was just so that I was not having so many payment pressure over that period. I also contacted my kid's schools and explained the situation and asked if I can not pay fees over the three months, and then for a year after wards pay slightly more on my fees to cover the money I owed.
I have since made the payments up, but it was a huge stress relief to have organised it and not have the pressure.
I think that depending on how long you have had a loan and whether you have serviced it affectively and not been a credit risk, there is no reason why a financial institution will not make a plan, if you just give them the opportunity and the time to do it.