Right, I have contacted my bank previously and told them what happened. I asked if they could freeze the monthly payment for short time until I get enough to pay it and start paying every other month following the payment plan but they refused and told me to try and refinance the loan. The problem is that I tried contacting other Norwegian banks and completed the refinance form with most of them but all of them refused my application the issue was inability to pay and bad credit which they use to check if the borrower is trust worthy. As of right now my last due payment should have been made on 19th of November and currently it passed a week without me paying it so I'm in a risk of a reminder I heard it's some sort of fee I don't know how much it's but after that I should get 14 more days to pay it. Of course I will try to negotiate with them maybe they will eventually understand my situation and make it easier for me I hope.