RCI Finance (Nissan PCP)

DaveY124

I have recently had a change of circumstances and can no longer afford to pay the monthly repayments on the Nissan PCP I arranged through RCI Finance. I checked the T&C's of the agreement and it states that I can return the car as long as I have made half the payments, so being 2 years into the 4 year contract I thought I would contact RCI and ask how I go about returning the car. So rather than default on the loan I approached RCI for help but all they said is I am unable to return the car as I have not yet made half the payments and still owe £14,000 and will have to pay £4,000 to end the contract and return the car. (Money I just don't have.)
They have not listened and taken into account my circumstances or offered any advice on how to resolve the situation, other than I owe them money and that's all that matters. 
I just don't know what else to do as the car is not worth the £14,000 that's owed, I can't sell it privately as there is finance outstanding and I don't have the money to pay it off but the fact remains that I am unable to continue to meet the monthly payments. What would RCI do if I was declared bankrupt? They would have no problem taking the car back then, would they?
Any suggestions from anyone.

[Deleted User]

If you go bankrupt then yes, they would take the car back.

If you don't have the funds to settle, you'll need to default and make a repayment plan with them.

DrEskimo

Its important to note that to Voluntarily Terminate (VT), it's not make half of the payments, it is to pay half of the total amount payable. It will be listed on your finance documents, but it is your deposit , monthly payments, final payment and any fees. 

How much do you owe on the finance agreement and what is the car currently worth as trade value?