VT help and advice pls

[Temers]

Hi there I am wanting to VT on my skoda kodiaq (vwfs), as of next week I will be one payment away from 50% so I was just going to ring up and make the payment to take me over that 50% and then send my VT letter, can you tell me would this be the best thing to do?

I have spoken too them before to get figure amounts and they mentioned that they would have to send me a vt pack which I have to sign and send back. Do I have to do this or is it true I don't have to sign anything?

When I purchased the car I also got gap insurance and scratch protection will this also be part of the VT?

I am so scared of doing this wrong as I can't have it affect credit score in any way, as I am in the process of applying for a mortgage and don't want to mess that up

Many thanks for your time and your help is greatly appreciated

[ostell]

You can send the VT letter which you eventually got from the site and make up the 50% afterwards. You do not have to return their signed pack, indeed it is not recommended. The amount you need to reach 50% should be shown on your contract

[Temers]

Thanks so much, can I ask the template letter I got from Dropbox mentions hire purchase on the letter not pcp (which I think mine is) am I OK to send that same letter and also what about gap and scratch policies I got from skoda them when I purchased the car will that be cancelled as part of my vt?

Thanks again