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VT with Welcome, please help!

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Hi there,


I am just needing some advice. I have literally bought a car on finance with welcome about 15 days ago and I am wanting to return the car. I have wrote a letter to the local office that I deal with stating that I want to terminate the agreement, (it was an example that I found on here somewhere). I am going to the local office tomorrow with the letter and hopefully will be able to organise to return the car.


I just have a couple of questions:


I have cancelled the direct debit before the first payment due 1st May, is this ok when VTing?


And obviously there is that outstanding amount to pay back when VTing, can they insist on having it in one lump sum or can I just arrange to pay back what I can afford per month.


Any help would be great.




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