Sorry to hear that Pete. It was my understanding that Railking locomotives do not get the switch only Premier locomotives got it and that would explain why yours didn’t have the switch. I could be wrong though. Just a guess but it sounds like those wires didn’t cause the problem. Perhaps it’s a pinched wire like John said.
As for getting it repaired we have some excellent repair guys on this forum like GRJ, Alex M., and GGG. I would take it to one of them if I could not figure it out myself. Good luck and keep us posted.