im pretty sure most lenders by law have to use voluntary termination, it will state in the documents that providing such and such amount has been paid and the car is in full working order and you have kept the payments up to date you can return the vehicle and you pay no more, i have had a look at a couple of agreements, black horse finance do it for sure because i dealt with a customer who had done it and returned the car twice (shows on credit report), santander consumer finance do, southern finance do, barclaycard do,

there isnt many more hire purchase companies out there.

please read through the sections until you get to the voluntary termination section, by law they have to put it in, you dont need to know this but underneath voluntary termination it will tell you about the repossession rights, something along the lines of they cannot repossession your vehicle if you have made such and such amount.

i think sdio has got a bit confused.

you need to write to them, they will then respond whether if ur legible for them to take the car, once they do take it, you will have nothing left to pay and you owe nothing ,as never yours until you have completed all the payments,

dont forget you have to be half way through the agreement and have met their criteria,

sdio is thinking when the car gets repossessed then the car will go to an auction site where they will try and get as much money for it, and when the car is sold at a shortfall (not enough to cover what the person owes the finance company) they will register the rest of the debt against you.

i do documents on a day to day basis so i know what they say as i didnt just deal with 1 company, i dealt with several.