Your former clients disagree with you on both counts, as do the creditors that you failed to repay. One should really be sympathetic to someone whose business and livlihood collapsed so dramatically, but you only had yourself to blame, getting in too deep over your head. You were just about managing to operate as a fitter, changing air filters and so on and patching up MOT failures. Whatever made you think you were a mechanic? Should have stuck to the bodging. Shame.