car hp escape

waspsandwich

hi
Right, its been a long time since I have been on this and no doubt I am probably posting this in the wrong place, so apologies for that and feel free to redirect me.
This time last year I got my car on pcp it was smaller than my old car but newer, more efficient on fuel and was a really good idea at the time. A couple of months later we discovered my partner was pregnant, she has since had our second child.
My problem now is the car is too small for us between the kids and a daft Labrador, pram and all the usual baby stuff.
I phoned my finance company up (Blackhorse) and explained the situation and was told that all I can do is go to a dealer and get a new finance deal on a different car. The problem here is the amount of negative equity that will roll over would mean I have to get an older car (not a problem for us) but the garages I have spoken to have said the finance companies will not cover the extra amount on a car of less value.
I have looked into a loan to pay off the negative equity but I think it would make life to hard in the future so it is a no goer, I also have quite a high balance on my credit card, with the line of work I am in I do not get much overtime in the summer and tend to rack up bills which I then pay off in the winter when I more than double my wage. (not a good way of doing things I know but that's another issue) So I do not think I have the greatest credit rating either.
I know I can hand the car back next year as I will have paid half of it but I was wondering if there is a way I can get it sent back sooner as I don't want to be running two cars instead of one just because its too small.
Obviously I do not want to go down the route of simply refusing to pay it as that will just land me in trouble in the near future,
any advice???

EssexHebridean

I'd suggest posting either on the regular DFW board or possibly even on the motoring board as the guys there may have more experience in this sort of thing.