I have a car on HCP with Blackhorse which has 6 months remaining to pay. Last summer I had to shell out over £1500 on repairs and as the semi automatic clutch had now gone, I am facing another £1200 in repairs. The clutch has burnt out and I had to be towed by the RAC this morning so the car is currently not drive able!
The car is 9 years old and I’ve paid well over the 50% needed for a voluntary termination but can I do it in the car’s current condition?
I know cars are supposed to be returned in ‘reasonable condition’ but I can’t afford the repair so would rather hand it back, stop paying the finance and save up for a deposit on a new car? Would a clutch failing on a 9 year old car (semi automatic) come under fair wear and tear?