ibought a car from a local subaru dealer over two and a half years ago and tfc were acting as subaru finance, since then the CREDIT CRUNCH has struck me heavily in my line of work, so the car has landed right at the bottom of my financial obligations list. i contacted tfc to see about voluntary termination of my finance, to which i was informed would not be a problem, this was about a month ish ago.... during this time i contacted them to discuss various aspects of the termination on several occaisions, still under the misaprehension that this was still going ahead. i was sent reeling yesterday to discover that they had made a mistake in that it wasnt a hp agreement, but a MOTORLOAN, and due to this they wont vol terminate the deal. when i bought the car ,it was hp, ive spoken to the dealer in question and he informs me that at the time i bought the car, tfc only allowed them to offer hp agreements. im confused coz if it was a loan,why could i take gap insurance out, which i did... or am i blissfully ignorant to the ways of the financial world. to round up bought a car ,paid for said car faithfully and on time for two & a half years, now having problems paying for the car, was lead to believe car deal could be cancelled, only for tfc to move the goalposts and totally land me in the s***. ps agreement didnt say motorloan or hp and is in the hands of my local trading standards......... thoughts & comments most welcome