Hello Abigail,
I apologise in advance for the contents of this post, but I think it’s worthwhile stating the facts as we now know them, rather than laying all the blame at the door of the original owners.
We now know that you have had this diesel car for 2.5 years, covering 45k miles in that time, but having it serviced only once during that mileage. Saying as it is, and by way of an explanation why this engine has gone !Removed! up - this will have been a significant contributor in its demise. Having said earlier that I’m not a fan of VAG’s 18k mile interval servicing, you will understand I certainly wouldn’t have recommended the servicing regime during your ownership. Sorry, this is just my opinion, and seeing it as I see it. I don’t want to make any judgement or criticism, but just to find a pathway of explanation. Others may disagree, and that is fine too.
Way forward:- Richard’s suggestion of sourcing an alternative engine and gearbox would seem to be the most cost effective way around the problem. Do the economics stack up of spending a large sum of money on a 7 year old car?? Probably not, but…
Finance:- I could be wrong, but I wouldn’t like to put a case forward to support not paying the outstanding payments. If it were mine, I would be seeking advice from your local CAB before contacting the finance company.
I genuinely feel sorry for the plight you find yourself in Abigail, and I wish I had some low cost options for you.
Please come back to us, and I’m sure everyone on here will attempt to offer you their best advice. Please don’t be alone with the effects of this.
Regards,
Gareth.
p.s. I didn’t write txxts up, I wrote bxxxxts up! Why a banned word?