Hi I`ve had my hours lowered at work but got a compensation package to cover it for a set amout of time / years. I currently have a car with the British Credit trust. Its for 49 months ( 1 month being the gap insurance ) and I pay 291 quid a month. The car cost about 8 grand or just under when I got it and I will have paid half ( of the finance which is 14k total ) when it gets to around August time. I have asked them for a settlement figure and they stated around 6300 quid. My question is, is that amount negotiable? If I pay off the HP, then sell the car, I`ll get around what the settlement figure is for it. If I wait and carry on paying until the contract gets to half way, I can just give it back right? I really dont know what to do. I want to downsize my car anyway as mine is a 2.7 litre Jeep, its in great nick but its a waste of money as I only use it for the couple of mile commute to work. Any help or advice would be appreciated. Thanks Jim