Ok bellyup, I'm going to get tough with you.
Forget the dick - he cannot help you with the real issues because he's a dick.
Concentrate on the things you can control.
Speak to the bank - go and see a real person and explain that you have some difficulties ie boiler/car. Whether they help you or not, you have taken control and made positive steps.
If the dick calls you, cut him off.
Boiler - ask around your friends - does anyone know a plumber who can do the job for mates rates or do a deal where you pay for the work gradually or at a set time - say January? If it's a family friend or friend's hubby then they are usually happy to do this as they'll trust you.
Car - do you need it for work? If so, you'll have to get it done in which case do as you did for the boiler. If not for work then leave it for a while as the weather is pants and you probably won't be using it. Do you know anyone with a garage or is handy with motors?
Do not ask the dick to look at your car - trust me on this one.
Take action and you will feel empowered.
The dick will then see you around, looking confident and cool, and realise he is a dick.