Hmm, thanks... guess it's a bit late to be surrendering etc. Will take a look at if there's any charges.. but I don't think she had PPI with it. Is there a way of finding out all the charges that have been paid? I've got one letter here about a £25 letter charge, but I'm sure there would be more, she missed some payments over the years.. but here paperwork is a mess(!) She did pay £454 GAP insurance.. do we have any way of clawing that back? Seems to only be in place for 36 months of the agreement?

She also has various charges levied over the 5 years for letters and so forth.. understand might be able to claim some of that back.. but only just started looking through the paperwork and trying to get my head around it all.

So I am new to this and have no idea on my rights or not.. I've tried reading lots of other threads, but it just confuses me more. I really hope someone can help shed some light on things, either good or bad. My girlfriend took a car out on a hire purchase agreement over 5 years. The car was for £6,995, and she will end up paying £17,200 (I know.. that hurts..). It ends in November this year.. and I just phoned up to try and end the agreement early, and pay the outstanding balance.. They have said the outstanding balance is £2,400 , and the early settlement figure is £2,350.. or something similar, so hardly saving a thing. She said this was because they remove the interest to decide the early settlement figure, and they 'front load' all their agreements so there was hardly any interest left. They must be laughing all the way to the bank on this one.. but is that really possible and legal for them to do? I was expecting to pay maybe £1,000 to pay it off.. or £1,500. But to save £50? Seems like a final kick in the teeth. Is there anything that can be done? Guess it's too late to return the car and cancel the agreement.. the car is probably only worth £2000 as it is. So frustrated.. are we doomed to pay this final £2,400 in full?