Hi My brother acquired an Audi A4 on finance with Hitachi Vehicle Solutions three yrs ago (originally 3 yr agreement...with right to purchase at the end of the three yrs). Initally the car gave numerous problems and was finally replaced by the Audi dealer. At this time, my brother who had a change in career & was rewarded with a reduced pay, decided to extend the term of the agreement to 4 yrs. The agreement is due to end next July, and he is currently a month in arrears, as he struggles to meet the monthly payments. Option 1: Selling the vehicle privately would mean that he would have to make up the shortfall as the asking price is less than the amount outstanding on vehicle Option 2: Novating the agreement has proved futile, as the pundits who have been interested have failed Hitachi's credit scoring system (3 pundits so far!) Option 3: Voluntary Termination??? Sounds like a possibility, reading from other forum postings...can someone please explain how this could work...or has anybody Voluntarily Terminated an agreement with Hitachi? It does sound like this could be the answer to my brother's challenge...any help/suggestions would be greatly appreciated. P.S - Is there a template letter to request the VT of an agreement? Thanks