Hi pinglebo , you could ask your ip if they would allow a payment break or breaks so you could you that money for repairs , it's a genuine reason for a break especially if you need the car for work etc .
I am sure that you have done this already but do try a number of garages for quotes . Try the smaller garages too just to make sure that you get the best price.
PJG Recovery have a free online advice channel at www.debtadvicetv.com. If you are ready to ask us for specific advice or help, then get in touch at www.pjgrecovery.com/contact-us.asp . I look forward to speaking to you.