Voluntary Termination

[CraigV6]

Different type of voluntary termination question.

My car is in the hole for around £4 - 5k of negative equity.
Coming to the mid point (of paid value) so am considering VT as I perhaps want to reduce my monthlies.
Is it possible to, instead of VT’ing, offer the finance company market value to buy instead of VT’ing?
The finance co I expect will just send to auction and will possibly gather less than market value in doing so, so, despite being highly unlikely, sounds like a win, win to me.

Car is spotless and under the mileage, so won’t face any charge if / when handed back.

[chml]

They (the finance company) will not go for that. Daft I know but them's the rules. If they did subscribe to that model then everybody would do the same.

[CraigV6]

VT it is then.
Guess if I want to grab a bargain I can try to find out where it will be auctioned.