HP finance - handing car back half way through

Tenant26

Hi, 

We bought a car on a HP agreement in 2022, car prices were at a high at the time so we paid over the odds and have now lost money on the car. 

We have since had a baby so need a bigger car and are now at the half way point and want to give the car back, which the finance company have said is fine it just needs to be in “reasonable” condition for its age. 

The questions I have are about damage to the car - it is generally in good condition but there is some interior damage (scuffs to dash mainly) which were there when we bought the car second hand. We stupidly didn’t take any photos at the time and are now worried the finance company can charge us for repair? 

Also, the gearbox sometimes makes a grinding noise when changing in low gears - can this be charged too? 

Car_54

Do you think a car in reasonable condition should be making grinding noises?

Mildly_Miffed

This is the industry-standard fair wear and tear guide.

https://issuu.com/bfwsn67/docs/bvrla_fair_wear_and_tear_standard_-_cb6bf45bb50403?e=2001091/30897824