We're in a bit of a mess - HELP?!

[LoveMyGirls]

i bought a car with no MOT or documents for £200 (its a 7 seater which i need for my business) since ive had it i've had to obtain the documents get it taxed mot'd, new gear box mount, radiator, brake cylinders and a few other bits and pieces, in total i have spent about £500, today it started having smoke coming out so i got someone to have a look and turns out the bloke that fitted it (who did me a favour) didnt secure the radiator properly so now it has come loose and gone into the fan which has put a massive hole in it! (i have told him and he has said he will sort, though god knows how long it will take and i really need a car)

we are also overdrawn by about £700 and tbh i cant see how we are going to repay it before christmas. i am working 6 days a week 5 days (50hrs) doing child minding and 1 doing care work (7hrs) so im doing all i can to bring money in, dp is working hard for a pay increase by doing exams and working full time.

what we're thinking is selling the 7 seater (ive lost faith its been nothing but a pita) going and getting a loan to cover the overdraught and cost of buying another 7 seater and then once we're straight we can save for a house . they wont give us a mortgage until dp has his pay rise and they wont take my business into account as i havent been running long enough so i can only put in what i earn from care work.

so what would you do?
would you get the car repaired and live with the OD and stress and not get a loan

or

would you get a loan and be stressfree and worry about adding it to your mortgage later?

If that was me, we would get a loan , pay of all existing debts and get a good reliable car , especially if i need it for me job.

Hope everything sorts it self out for you x

ok dp has been to the bank and is applying to extend out loan so we will have £3,500 to sort ourselves out, dp's car is on its way out so i think we will part ex it and get him something too so we can both have reliable cars (as we both need cars for work) and then we will have clear od's and some left in the bank ready for when dp gets his rise so we can get a mortgage and pay the fee's (by the end of the year dp will have his rise and i will have another customer so this is just a short term thing) i feel better now - i think! i know it means more debt but as long as its being paid off it wont worry me its when its spiralling out of control i get stressed - like the od i didnt know how we were going to pay it and it was preventing us from saving now we have borrowed more money over a longer term it only works out £30 more a month and takes a weight off our shoulders and it will all be paid off (in with our mortgage) by the end of 2007.