What to do with broken car on finance?

[roz84]

I have a 2009 Kia Sportage with a blown engine, still on finance ☹️. Realistically, what are my options regarding getting rid of it? I still have a couple of years to go on the finance, it's just sitting in a garage at the moment, uneconomical to replace the engine! Can't be scrapped as I don't "own" it, could it be traded in?

[roz84]

See that's what I was thinking but I don't think I could hand back a non working car. Even though i have only been responsible for 10k of the mileage on there - if anybody can tell me different I'd love to know, I am approaching the halfway mark!

[roz84]

If somebody can point me in the direction of where to look for a new engine and a decent place to fit it, in Devon, then please do! It is on HP finance not PCP. According to my garage the engine seized - no warning at all, it had oil in it etc, I believe this is a common enough fault on these engines and it was literally just out of manufacturers warranty when it happened, it's been garaged up for a while now. I got put off having an engine put in by my garage who said ones on eBay etc, you didn't know how long they'd been sat in a scrapyard for etc and also to be honest, scraping together £1500+ for it to be repaired would just be nigh on impossible!

[roz84]

Thanks, I'd like to describe myself as neither an idiot or a debt junkie. I'm just asking for some advice that's all!

[roz84]

I do know what the engine code is and had thought of buying a car with the same - I know a few different models have them (d4ea engine) - with say rear end damage or whatever but a running engine, but even Kia themselves couldn't tell me if it would be possible to do a straight engine swap even though the codes match! Which again, put me off doing anything yet.

[roz84]

I have seen those deals myself but my garage said be wary of this companies as you have no idea of the history of the engine being put in! Yes it's a 2.0 diesel

[roz84]

Glasgowrob said:

Chuck an engine in at a grand at VT it

Quality of the engine doesn't matter a joy of your getting rid

And I'm guessing a grand is a lot less than you have outstanding on the finance

I get the feeling however that you will still have this car sitting in your garage op in another 2 years fully paid for still broken and worth even less now

I think you've probably got the most accurate answer here (I am now going to go and look down the back of the sofa to see if I can find a grand) - I really.dont want it still sat there in two years!!

[roz84]

The engine seized up when I was driving, literally ground to a halt on the way to work, engine cannot be turned apparently (sorry, I'm not very au fait with technical terms) - my garage took it apart bit by bit to check all the parts and have told me that it's seized (they might have said cylinder 2, I don't know) - bloody thing was running fine up until that point, had oil in, serviced correctly, no warning whatsoever!

[roz84]

I don't think that what I would get for it would cover the finance unfortunately!