2016 BMW X4 Unknown Or Other Problems

My daughter [XXX] had an oil change on 2-23-2024, and was told that fluid was leaking. In less than 2 weeks, the leakage had worsen. All the electrical components were flashing and the vehicle was cutting on and off. Eventually it stopped running. Her fiance, [XXX] , had the vehicle towed to an auto repair shop that specializes in European cars on 3-25-2024. She was quoted for a new engine, cost $12,500, which was about the same as what was owed. Since we couldn't afford the cost of a new engine, we did a voluntary surrender to the finance company, Foursight Capital. They sent us a notification for an Explanation of Calculation of Surplus or Deficiency. Had we been informed about the recall from the NHTSA failure to adequately remedied for a defective vehicle within a reasonable time, just maybe this problem would have not occurred. Now I'm stuck with...