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Car on HP but knackered! What to do?

We have a car on HP but it's cylinder head is gonna go so cant use it. Hubby needs a car for work (temp contract at the mo) Is an HP car safe if so would it be wrong to trade it in and swap it still on HP before BR? Nothing flash just a car to get him to work?
;) Heres to a brand new start!!;)
Court date March 6th!
:j 1 week after BR and feeling pretty good!:j

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