Voluntary Termination is a right under the Consumer Credit Act for regulated HP and PCP agreements. You must have paid at least 50% of the total amount payable (including interest and fees) — or top up to that point.
The car must be returned in reasonable condition. Excess mileage and damage charges can still apply, so ask for the finance company's return standards in writing.
Voluntary Termination is different from Voluntary Surrender, which usually leaves you owing the shortfall between sale price and outstanding balance.
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