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Car finance troubles

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  • Car finance troubles

    Hi I need some advice and I don’t have long to sort the problem out*
    i have a car on finance and have not paid half of the term however due to the pandemic I have not been able to work as I’m a self employed builder*
    I can no longer afford the payments as due to the crisis it has created a break down in my relationship and now we have separated*
    wi have told the finance company they have given me three options carry on paying hand the car back this a lump sum or voluntary terminate*
    this will affect my credit rating and will I have to pay anything else as the car will be auctioned and with probably fetch the outstanding amount that is owed to the half way point in payments*
    any advice would be helpful please I’m at my wits end*
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