VT - getting to half-paid point

[MotorMoose]

I'm currently trying to get my head around the ins and outs of VTing a car through MotoNovo and think I have most of the issues clear in my head - refuse to sign anything other than my initial recorded delivery letter, refuse everything with references to laws if they demand anything (and threaten to complain) - all of this thanks to the excellent posts here.

I'm here because I have a question about getting to the halfway-paid point. I'm currently at 37% paid through MotoNovo finance, and my halfway paid point for the VT isn't for another 10 months. Essentially I just want out of this PCP agreement. My online finance account says I have the option to make a payment of whatever I want, whenever I want. Can I just save up and pay off the difference between my current outstanding balance and the 50% value, and then send the VT?

I realise this will piss them off (excellent!), but is there any good reason I can't? i.e. does the law say I have to have made monthly payments to get to the 50% point, or will my extra top-up work.

Sure this has been asked before but I couldn't find it anywhere.

[juls1888]

In my experience, the Finance Company wasn't interested in the passage of time, just achieving the 50% payment point, therefore I would go ahead and top-up before your 10 months is up and take it from there

[Daisy007]

Yes, they just want you to get to the 50% mark.
I did my VT in December. I worked out how much i would owe, then rang the Finance Company on a weekend and went through the automated switchboard and made my payment to a robot lol. The good thing doing it this way is they send a hard copy letter out confirming the payment, plus I didn't have to speak to a person.
Rachel