I am having the same problem with adv i have had the 40 month hp and it is due to end in January 2014 so only 11 more payments the car has had nothing but problems and now i can not get it to start and have been told it will cost over £1000 to fix the car is only worth £2100 and i still owe £2900 so it is not worth fixing or selling the woman wouldnt tell me anything over the phone i just need to no if i do hand it back will i face high chargers and if they sell in for a low amount will i have to pay the difference thank you