Basically I'm taking a loan to pay the outstanding cost of my finance on my 58 pre fl vrs and wanted a rough idea what I should be asking for the car as an.idea of negative equity on the situation

Race blue vrs Tdi dsg I'm the 2nd owner with full history, including dsg gearbox oil changes, timing belt, warranty replacing of the dsg software and radio

Car inside is very very good no wear to seats all very clean has the 6cd changer, maxidot. And jumbo box

Mot and tax for a good few months mechanically wants.for nothing 94k miles on the clock

Cosmetically the spoiler is pealing and the osf alloy has some kerbing

Anymore info people thing may help I can answer would post in selling but won't let me.

Thanks

Why not ring and ask for a settlement figure?

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I think the last person to ask was in the £3-4k bracket.

I have a settlement figure, I'm wanting a value on the car as I'll be selling.it after I've paid it all off. Sorry for any confusion. Well we buy any car offered 7750 which from previous dealings is really like 6500

My brother in law had a Astra on finance. He asked for a settlement figure which was more than the car was worth. So he asked the finance company to take it back and wipe off the rest of the amount.

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My brother in law had a Astra on finance. He asked for a settlement figure which was more than the car was worth. So he asked the finance company to take it back and wipe off the rest of the amount.

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How's that work then?

How's that work then?

 

 

you didn't mention your mileage?

 

Hnading a car back if ifs more tan half paid for is quite common, part of the consumer credit act i believe and included in all hp agreements.

He just rang asked for settlement figure. Car wasn't worth what was owed so they took it back. Was told that by a Vauxhall dealer. Plus over half the finance was paid

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It's fine if half is paid as you return under half's rule but seeing how the values are rock bottom.now compared to.when I bought mine I seem.better to.pay up to half and half it back.than pay it if and sell it now

Is it on pcp or HP? If pcp, what is the mgv?

It's hp mate

As long as you have paid off more than half you can simply arrange to hand it back to the finance company, but on your credit report the account will be marked as VT "Voluntary Terminated" and not settled. You'll then be unlikely to get finance through that company again.

As long as you have paid off more than half you can simply arrange to hand it back to the finance company, but on your credit report the account will be marked as VT "Voluntary Terminated" and not settled. You'll then be unlikely to get finance through that company again.

Cool, did not know that. Would you be affected getting credit elsewhere?