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Have you had an up to date account statement from the provider that clearly shows a missing payment?
Have you checked your own bank statements to see if this is indeed the case, or if you did in fact pay it?
If there is a missed payment, then the provider is not out of time to pursue you for this, they have up to 3 years to do so.
If you accept there is an outstanding amount, but cannot afford to pay upfront, then I suggest you should work out a reasonable payment plan with them in order to prevent them pursuing you for this.
Can I clarify anything in particular for you?
If you have further questions, you can always come back to me.
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