redrook

Discussion of not paying only seems to apply to pro-rata mileage when you VT, not the mileage at the end of the contract - https://www.thecarexpert.co.uk/car-finance-voluntary-termination-pcp-hp/2/ You can take out a pcp deal for 5K miles a year, drive 30k and then VT, but you can't do the same if you want to see your contract through, otherwise they'll simply deduct the charge from your equity I believe.

You don't have to pay excess mileage if you do a Voluntary Termination, but you must have paid half the value (or they can legally pursue you for half the contract value). https://www.thecarexpert.co.uk/car-finance-voluntary-termination-pcp-hp/ They can charge you excess mileage if you see the contract through to the end.

Completely wrong. You DO NOT own the car under PCP, the lender is the owner. You only become the owner when there is no finance on a car. Under PCP you are actually the registered keeper, the owner is the finance company.