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HELP.... whats the difference


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As far as I know "Voluntary Termination" is a full entitlement to legally end a HP agreement as detailed within the original agreement. "Voluntary Surrender" is where you ask the lender to let you give the car back even though the contract is still legally enforceable.

 

If you VT the car and have paid more than half the total amount payable, then you are deemed to have fulfilled your obligations with nothing more to pay. If you VS the car, then they may be able to still pursue you for any losses they incur in disposing of your car.

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