Barclays Partner Finance VT

[prowler81]

Hi,

I have a car loan with Barclays Partner Finance through a car leasing company and in the 2nd year of owing the car.

Now I am struggling to meet the payments of the car loan taken with BPF.

Am I able to declare VT and return the vehicle back to BPF and would this offset the remaining loan left on the finance agreement?

Also will it affect my credit score if I do VT?

Thanks