Norton Finance very high apr

sdoherty1000

Been offered the only loan we can get but the apr is a staggering 15.6% on a secured loan of £20,000, £410 a month for 8 years but this seems the only solution to getting a decent credit report. We asked our mortage lender to add £20,000 onto the mortgage but they refused and we are tied in with them for another 2 years. We owe around £18,000 all in all and we want to have just the one monthly repayment instead of juggling the others about.
1 of the debts is a hp loan for a car we no longer own- the car was hit by an uninsured joy rider and wrongly repaired, for example the steering column snapped while driving at 60mph with the kiddies in the car. The car after alot of agro was returned to the company and auctioned off but left us with a massive £6,500 debt on our hands with we are slowly paying back at £110 a month. Is there a legal way to get me out of this debt by sueing the insurance company or the garage that did the initial repairs? maybe one of you has had the same situation!!!!

Any advice will be appreciated

Thanks
steve