hi wondering if anyone could help i need to replace my car as the finance agreement is nearly at its end and i didnt realise that there was a ballon payment of 3500 my credit hisrtory is terrible dealing with a debt help company is there any options available to ie leasing etc

If you're not good with credit, put whatever notes you can get out of your account and go shopping with that. My £300 buy is still going strong after 18 months and I'd hate to think that I'd left anything more valuable unattended at the side of the road.