Others have done it. A work colleague has just handed back a very expensive Audi at 50% as it was in negative equity and they were over their mileage

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Doubt it, as the same 50% rule applies to standard HP where mileage doesn't come in to it. It is a consumer right.

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If you change the mileage at the outset I suppose the monthly goes one way and the GFV the other, but the price is still the price and 50% is still 50%.

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Others have done it. A work colleague has just handed back a very expensive Audi at 50% as it was in negative equity and they were over their mileage

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Andy, did they not even get questioned by the finance company / people who inspect the car?

No.

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