TigerWhite

Hello all, I have just found this forum and want to tell my story and seek advice. My husband past away last year and left me his BMW X2 2018 plate. He had it on HP with BMW finance. I took over this agreement and have 8 more months until I decide to hand it back. I have enjoyed driving the car for just over a year. Until two weeks ago when the car went into Limp mode and I was towed home by the AA. They thought it was a gear box issue. The milage is 38,000 miles, so not a huge amount. My neighbour who understands cars did a bit of research and we took it to an automatic gear box specialist. Thinking this would be cheaper than taking it to the main BMW dealer. Last week he said he was awaiting parts to come from Japan to repair the gearbox. Monday I got a quote for a new gearbox as the parts are slow coming in from Japan! The quote was 11K!!!!!! This is a ridiculous amount of money. I can buy a reasonable second hand car for that. It seems I can drive short distances for a while, but I have lost of confidence in the car. So I'm unsure what to do, I simply can't afford to pay the monthly payments and fork out to repair a car I no longer want. The contract agreement clearly states that BMW own the car until I have fully paid off the HP agreement and the balloon payment. Is this break down of a major part their issue and not mine? Ive not been in touch with them. I'm currently drafting a letter to BBC Watchdog, Rip off Britain for Money box. Any advice