thanks maria,it read ok till the last post about the guy with 2 cars and a van,the termination of credit put a black mark on his credit history and stopped him from getting a mortgage,i have 1 already and it was hard to get 1 as i was sued after an unfortunate accident i was in years ago and made bankrupt,its taken a while for lenders not to worry about that so i dont want to risk getting a black mark on my credit history,ill update the thread tomorrow after i find out how much they want off me to end my agreement.cant wait to find out!