Hi, if the amount of credit on your finance agreement was over £25000 in 2007 then the agreement is not regulated under the Consumer Credit Act of 1974. Therefore you have no VT rights at all. Would your new employer be sympathetic and take over the payments? Or does your car allowance and subsequent mileage allowance not cover the cost of running the car? Might be best route to go even if costing you £x each month out of your own pocket.(better than finding a big lump sum now). Used car values have plummeted as you know, particularly on the 'prestige' brands. You could also post the figures on here and someone will gladly try and help you. Best of luck with new job.