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Hello there. I have car on what I thought was PCP but have been told that it is in fact an unsecured personal loan to buy the car with a large balloon payment (interest) via Barclays partner Finance. With this being said I am unable to get a clear answer from the leasing company "Hippo". Hippo state they are the intermediary party and Barclays are the lenders. Why would I have had to pay a service cover and mileage allowance to Hippo, if as they say, I own the car and have done from the beginning. It does not make sense. According to them my right to VT does not exist as I own the vehicle. I feel that i am not being told the truth about my contract. If someone could help that would be great 
