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Voluntary Termination HELP!

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Hi all,


Hope you are all ok...


I am considering VT'ing my car, the problem is that I think that the car is on Finance, not HP. I am with Black Horse but find the T&C's a little confusing.


Its a 5 year term to which I have paid just under 50%.


I have heard its not possible to VT under finance, you can only do it on HP.


If this is the case then is there anything I can do as the cars value at Trade is about £4200 and I owe over £8000 due to negative equity from previous 2 cars. :(


Please help

:cool: Who Dares Wins:cool:

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If your car finance is with Blackhorse the chances are that it's a loan you have . This happened to me when MG went to the wall I decided to hand back the car as I'd paid more than 50% but was told by Blackhorse that it was a personal loan that the dealer had set up for me. Therefore I had to either sell at a loss or see out the remaining contract.

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