Question Author
Thanks Dasherman -the advice is genuinely for a mate -I have advised her to firstly go to the CAB -however this has been ongoing for years and despite paying through the nose she is not getting pout the bit.
Hindsight being a great thing but she stupidly bought from a 'friend' who turned out to be a shark and at the end of the day she is still paying him �200 a month 3years down the line for a car she no longer has -you hear about this - its just amazing that those people get away with this but they do.
Her health is now suffering and she doesnt know whether she is coming or going -think a consolidation loan may be the only solution -at least she will then know exactly what is going out every month and it will just be one payment and also gets everyone off her back.
Tell ya -its a message to everyone about really getting into debt - its soul destroying but at the end of the day she has to pay them as she is due the money.