VT of vehicle after agreement terminated.

[seduraed]

I got some 5 or six years ago I got a car on finance and was paying the monthly paments ntile my life unravellled in the credit crunch. I have since Pa ying £5 per month sporadically. I have paid more than 1/3 on the agreement but still owe around £2900. I need to change the vehicle for one large enough to accommodate my wife's electric wheelchair. Would I be better selling the car and passing the procedes to the finance co or doing a VT or VS ? What i do not want to do ins increase my liability.