Hi, was wondering if anybody could help me.

Basically i want to find out whats the best way to go about sorting out my car finance.

Due to a change of circumstances im finding it hard to run the car, with my insurance going up, road tax soaring and not to mention the ridiculous fuel prices. Anyway the problem is ive been falling back on the repayments and gotten myself into a bit of a mess. Also the finance is worth more than the car which doesnt help!

Idealy i need a more economical car thats alot cheaper to run, so am i better off trading the car in? Applying for a loan to pay off the finance? As i cant sell the car and theres no chance in me paying it off early i feel these are my only options.

Anybody shed a bit of light on my situation in what way to go about it?

Thanks, Andrew