batzy

its up to u who u believe. u will see for yourself, look in your credit agreement and look under the terms voluntary termination, that section will tell you what you must meet to agree this arrangement with them, looks like you have been paying for the car for a while so just check, theres no harm in checking as those documents are legally binded to you and the car and the finance company, im not giving you false hope but a suggestion to get you out of this obstacle, try to meet all the payments for the time being. dont miss it, it will make u get credit harder.

when your voluntary termination is confirmed and is ready to go ahead they will come and collect car thats it end off, i know this for a fact because in our criteria for giving customers hire purchase we had to change it so that we had to decline anyone with more than 2 voluntary termination on their credit report.

i wont argue anymore with that other person but batzy just read through your copy of the credit agreement and see for yourself.

good luck.