Voluntary Termination on PCP

[Jules1972]

I have a car on PCP agreement and credit is over 4 years. I understand that I can 'hand the car back' once I have paid 50%. Thinking that I am half way through the agreement I called the finance company today and they informed me there is still a short fall of 8k meaning I have another 14 mths of payments to make before I can hand the car back and walk away. Problem is I have been redundant and can no longer afford the payments. I presume the only thing I can do now is try and sell it privately but not hopeful and that may take long enough and time is not on my side unfortunately. Is there anything else I can do ? One small point to add my car has been affected by the Emission issue and since we were advised by Audi is still remains to be rectified. Wondered if this would have any weight in handing the car back as strictly speaking the car is not what we purchased 2 years ago.