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Voluntary Termination

Hi, 

I have a HP with Startline and am looking to do a Voluntary Termination. I have around £200 to pay before I get to the 50% limit. I'm just wondering if this goes against me on my credit file or if it's in my rights for me to hand the car back?

The car is in good condition with no major damage, it's low mileage and will have 12 months MOT.

Has anyone ever had any experience with doing a VT and Startline?

Thank you
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