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Car Finance Agreements

I currently have negative equity in a car that was purchased over two years ago and am looking through the terms of my agreement to see if there is a 'hand back' clause. Other than that I have been advised that there are certain loopholes surrounding car finance agreements that can render any agreement invalid - has anyone heard of this sort of thing or does anyone know the law on signing car finance ie does it have to be signed on certain premises or can it be done by post etc etc etc
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