A letter should be enough and will give you proof that you notified them. However, a call explaining the situtation might get you better results in the long run. have you considered driving it to the lender and leaving it?
You do not need a letter, you need to call or visit the loan company and talk to them about this personally. Skipping a payment can result in the loan company starting repossession proceedings on your vehicle. This is something you do not want to happen so contact the loan company immediately if you are unable to make your payment on time.
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