Thank you so much this means so much to me I feel like a weight has been lifted off my shoulders. To take the time to offer so much information is extremely kind. Again thank you

I'm only 6 months in next payment due 3rd February. Thank u for the info and reply I'll search for the other threads

I currently have car finance with Advantage car finance. I can no longer keep up the payments due to severe personal circumstances. Now rather than just defaulting on the payments i would prefer to voluntarily terminate the agreement and surrender the vehicle. Then manage the outstanding amount after they have repossed the car. Can anyone please advice on how i should approach this as i am terribly embarssed and do not cope well with telephone conversations and a confrontation with a collection man would be too much to cope with - TIA