Hi, I am 2 and half years into a 4 year agreement with regards to my car. Basically the car at the moment is worth £3000.00 less than I owe under the agreement. I have estimated that by the end of the agreemant, the vehicle will only have a value equal to the Balloon payment that is due. So for the next 18 months as I have zero equity, I will be effectivley Hiring the car at way above Contract Hire rates, having effectively already done this for the last 30 months. I blame this on the very high intrest rates that the manufacturer's finance arms charge and to get out of this agreement I am thinking of Voluntary Terminating the agreement as I completed well over 50% of the payments all of which have been paid on time. The one nagging doubt that I have is, will this have an adverse effect on my Credit Rating?