Thanks very much for the info

many thanks for the reply! I'll dig out my agreement I thought more folk would've gave me feedback on this matter cheers

Hi All, I'm looking for some basic advice on the following- I'm paying £165.00 per month to BCT for my vehicle which is almost 2yrs old(august) do I need to wait till next february 2010 to hand the car back this being half of the agreement or can I do it now? The reason I ask is simply that my income isn't as much due to decreasing hours at work. I took the car out on finance over 5yrs(60mths) and have never missed a payment except for being late a few days on one occasion due to my work circumstances. I'm not sure if this will black-list me? for future credit or will they 'chase me up' for the remaining balance? the car If I'm lucky is worth £1300 at the minute. please advise my next move regards this thank you