Car Lease Agreements

[Guest]

I recently hit bad times, due to wife’s illness and meaning the part time work I did I no longer can do as I will be the carer of my wife. However we do have a contract Hire Lease deal which was 48 Months and we have many of these over the last 20 years. I am around 22 months into this but can no longer make the payments and have spoken about this to WW Finance/Audi. I fell behind on 2 payments due to major distractions and currently I am only a payment behind, however as I ignored letters ( Yes my fault) it defaulted, I contacted the dealership and explained and they passed my details to finance company who were supposed to come back to me. They did not and I have Repudiated my agreement. i have said I am waiting for the collection agency to agree a collection to pick up the car. However where does that leave me? The outstanding rental agreement they say is still 26-28 Months left I believe. I am not in a position to pay off all of that in one go and subsequently each month I cannot afford those payments unless it was a reduced payment plan. Any advice is appreciated.