Car stolen - help

neilmcl

The OP needs to come back and clarify what they mean by "I have £20k left to pay on my PCP.". It's very unusual for a vehicle on PCP to be worth so much more than the settlement value so it could be they're only looking at the remaining monthly payments and not including the final optional payment or GFV. Unless it's a new for old payout from the insurer I wouldn't be surprised that the OP themselves actually might have more to pay.