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Help with ending a car finance agrrement


Robboards
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Hi Everyone

 

At the moment i have a car on hp that i dont really use very often anymore so i would like to get rid of it and get a cheaper car.

 

Iam half way through paying off the car and as i understand aslong as there is nothing wrong with the car i can hand it back and thats the end of it, is this true?

 

Also would doing this effect my credit rating or cause any problems with getting another but cheaper car on finance?

 

Thanks in advance for any help

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