Sounds like you in a bit of a sticky wicket to me financially. My advice is get a written quote of a garage to do the work, make sure it is a “Quote”. Legally your quote may increase by as much as 10% of the total figure originally given, so budget for that. If you are not able to check over your vehicle for mot yourself, get an expert to do it for you including a price on any work, then go to your financial lender and request an increase on your borrowings to pay for it. Hopefully then your ok.
David:D