advice needed car finance problem with blackhorse please??

[missy1980]

hi,

 

2.5years ago we bought a car through switch car financed by blackhorse. After everything was signed and sealed we went to pick the car up few days later and then we started experiencing problems which cost us lots in the garage, and as self employed taxi driver, losing out on work when off the road. at one point we were off the road for 3 weeks, which cost 1k to fix and loss of earnings. this is when we started getting into debt with the car and couldnt repay on time every month. the charges are really high and we are being threatened with legal action. a nice gent from black horse actually knocked yesterday saying we needed to pay something or the cars being repossessed. we need advice on what to do, the cars sitting up the drive not being used because its due for the mot as as my boyf is not working now we cant afford to do it up.

 

is there anyway we can write the debt off or sort something out? someone sarcastic at blackhorse said ages ago that they could take and sell the car for about 1k but means we have to pay rest of balance still (about 11k) - we bought it for about 10k (y reg galaxy) and already paid over 6k back (which has just covered interest). any advice on what to do would be great.

 

thanks

 

xx:confused: