VT HP agreement with a personal loan element

[BossCat]

Hi my son is about to VT his loan with MotoNova. It is a 5 year contract which he is 3 years into. He has passed the half way mark and can exercise his right to VT, however when he bought the car he also carried over negative equity from his previous car. The loan is made up of a HP contract and a personal loan contract both on the one credit agreement. The 50%VT figure does not appear to include the loan element. Can i please ask your advice about the loan element. What will happen when he VTs the car. Will the loan become immediately payable. He could not afford that option, or will he be able to continue to make the monthly payment to the loan. Any advice would be greatly appreciated.