Question on Voluntary Termination
I took a vehicle finance agreement out with welcome car finance robbers in october 2005, needed a car and nobody else would touch me unfortunately.
I still have the same car and have almost paid off half of the total debt. I believe i have the option of handing back the goods and terminating the agreement.
I am now in a much better financial position and am looking to purchase another car(a diesel) as my daily commute has now changed and this car is costing me too much to run. I wont be looking for credit on the new car so that isnt a worry.
If i hand the car back will this have an adverse effect on my now improving credit record? I still have one other account running with perfect monthly payments(Have never missed any payments on this account either).
Also how do i go about handing the vehicle back, and what can i do to ensure they dont try and say the vehicle is in poor condition(which it isnt, but it is 9 years old now so isnt perfect) and therefore charge me x amount for this.
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after months of 
i consulted my solicitor and he said shouldnt pay it and when they demand it simply say "i can swear on the bible in a court of law that them faults where there when i got the car". 