disabled driver

[Collygilly]

hi all im in a pcp contract but ive had to finish work because of a disability i want to return the car but they are saying i owe £2000 to end the agreement thats another 8 payments which i cant afford and its not 50%, they have sent me a breakdown of fees and charges ie pick up fee of £79 etc i have been told by the finance company i can terminate due to being regulated but i must pay the £2000 any advice would be very appreciated