Hi,

An update, and a plea for more advice please.

I did not pay the settlement figure to sell the car privately in the end as I would have lost several thousand pounds doing so.

I have a 4 year deal and 2 years is up in the 1st of September.

I am keen to consider a voluntary termination and hand the car back (it is in excellent condition).

Would a voluntary termination go against me and ruin my hard-earned/ valued credit rating? I really need this to be 100% solid as I will need to buy a house (and a replacement car!).

Thank you for your time in advance