Hi all,

First time i have ever really felt the need to post on here. Seen alot of posts regarding VT'ing PCP agreements on vehicles. I would like to do the same on my car at the moment but I am unaware of having the rights to do this (I used to work for Cap Bank a good few years ago so have a vague understanding of how this works!) My agreement is a PCP Credit Sale which apparently removes the halfs and thirds on the agreement (I.e. once i pay a third of the agreement they cannot reposess the car and after I pay half I cannot VT it...) However today i received a statement of my agreement from them informing me that I can hand the car back under section 99 of CCA. Does anybody know if this is just a generic letter they send to everyone or will everyone have the right to hand the vehicle back... I am hoping I can organise a VT as the car (Citroen C4) has been an absolute waste of money. It is in reasonable condition but obviously anything i think will incur charges i will have sorted and I will also get it serviced before I hand it back... All my payments are up to date but the money I am spending on the vehicle could be put to better use elsewhere at the moment.... Can anyone help me?!?!