batzy he's just proved my point for me. go onto that website and then click onto appendix 2, that link will take through to an example copy of what i said before. this is what i was on about, providing all payments up to date and u have paid half, u should have the right for a voluntary termination.

TERMINATION: YOUR
RIGHTS
You have a right to end this agreement. If you wish to do so you should write to the person authorised to receive your payments. We will then be entitled to the return of the goods and to half the total amount payable under this agreement, that is £5217.76.
If you have paid at least this amount plus any overdue instalments you will not have to pay any more providing you have taken reasonable care of the goods.]

this is the example on there.

and now look at appendix 3 which shows u a letter to how to put it in writing for the voluntary termination

To:

Dear Sir/Madam

Voluntary Termination of Agreement

Account No:

Car Make/Model/Registration No

I am/we are writing to notify you that I am/we are exercising my/our right to terminate the above agreement under Section 99 of the Consumer Credit Act 1974.

I/we understand that I shall/we will be liable to you for the amount calculated under the formula in Section 100 of the Consumer Credit Act 1974.

Please send me/us details of how the vehicle can be returned to you.

Please confirm receipt of this request by telephone/fax to me/us on (insert your telephone number or fax number).

Yours faithfully

Your Name

by the way not many people know about it purely for the reason finance companies dont want it back because that means its their property that they have to deal with once they agree for u to return it.