Voluntary termination of PCPon a vehicle

[knowmyrights]

I am looking at early termination of my finance agreement and in looking at the numbers I have noticed that the finance company have excluded the 3.5k deposit made on the vehicle from their calculations. The balance paid to the garage from the finance company and the fees an interest comes to an amount which is 3.5k less than the designated “Total amount payable” from which the 50% threshold calculation is being taken. Is this fair or right??