Thread: HELP please

Hi everyone,
I am new to this so hope you won't mind me telling you about a problem I have and if anyone has any ideas I would really appreciate some help.
I purchased a car from Approved Car Finance in 2005 on finance through the Funding Corporation. On the day I bought the car I took out payment protection insurance. I told the salesman that I wanted to make sure I was covered for anything that might happen in the future to ensure the payments would be covered. He assured me that I would be covered for the whole 5 years for everything. I did not receive the policy for some time afterwards and must admit I believed what I had been told and I didn't read through the small print.
Last year I had a bad accident and injured my leg. I had an operation that went wrong and have had to give up my job and am now disabled and awaiting further operations. I will not work again. I put in a claim to cover the repayments on the car which was successful and Direct Insurance paid the monthly instalments. Last month I received a letter from the insurance company to say they would no longer be paying the instalments as 12 months was up. I telephoned them and they said they only pay it for 12 months. I explained what I had been told but although they seemed sympathetic said there was nothing they could do. I rang the Funding Corporation and explained I was now disabled on benefits and that the insurance was refusing to continue the payments even though I had been assured when I bought the car that I would be covered. They were very unhelpful said there was nothing that they could do and if I didn't pay they would take me to court. I asked if they would take the car back as I had been told the finance was secured on the car when I bought it. They told me they couldn't take it back that it is not an HP agreement on the car but a credit agreement and that was different. I asked if they could do anything to help me and was told no, just pay up. I asked for a settlement figure which turned out to be as much as the car cost originally even though I have paid 3 years. I thought if settlement figure was low enough I could take out a bank loan at a much lower rate of interest and pay the car up. I have contacted Approved Car Finance who said they can't do anything and won't accept any responsibility over giving me false information.
I am now so worried and don't know what to do. I can't afford these payments and no one will help. I feel like I have been taken for a ride as I did everything to ensure the payments would be covered if anything at all happened.
If anyone can help I would be so grateful,

thank you in anticipation

I have merged your posts, please keep to the one thread on the same subject.

Thanks I am a newbie to this so was unsure what to do. Sorry