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  1. Hi there. In July 2011 we purchased a new car and have been making the monthly repayments on the car finance each month to date. Three weeks ago the engine died and the car is now sat in the dealerships garage awaiting a new one (with no timescale given as yet for the repair). We've found out that the engine issue is a common fault on this particular type of car and so, when it is fixed, we intend to Voluntary Terminate our agreement using the halves and thirds rule as we will have paid off half when our August payment is made. But we're unsure about the mileage excess. The agreement we took out was for 12,000 miles per annum - so a total of 36,000 across the 3 year term. When we terminate; -will they pro rata the mileage down to 2 and a 1/2 years worth of entitlement and charge us for the excess over that? OR -will they charge us for the excess over 36,000 as that was the agreed total mileage over the 3 years even though we haven't kept it for the full term? Any help would be really appreciated. Many thanks Lola
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