Shoesmiths and car VT excess milleage

[Line083]

Please can I have some advice on what to do next regards this letter. I have been ignoring them and all went quiet for about 4 months, now this. I suffer with anxiety and this is really pushing me to my limit. Any help much appreciated. Thank you

[Line083]

Good afternoon, I have tried to post this on site but it's not allowing me. Please can you advise in what I should do next. The car was VT May 2018, and I had paid well over half way mark for finance, literally only one month left to pay. But I was unable to refinance the remaining balance and had no choice but to give the car back. No charges noted on inspection document when collected. I have been getting letter but all has been quiet for a few months and now started again. I suffer with anxiety and depression and I'm close to crisis with this. I am a single parent and currently live in a caravan as i can't afford to rent privately. I work hard and don't get benefits either. Please can yoi help me.

thank you