You can't just unilaterally stop making payments, no. That would put you (and your credit rating) into all sorts of grief.
You say you've got the ombudsman on the case, and the finance company have 'asked for more time again'. Might I suggest that you agree to more time - for one final occasion - but ONLY on the condition that you have a suitable loan car until yours is fixed (i.e. something similar to the car you are paying for).
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