I KNOW PEOPLE WHO HAVE VOLUNTARILY handed cars back to the finance company,a mate who was skint turned his car back to lloyds black horse at british car auctions manchester,they would of picked the car up and charged for the privillage (£150 iirc!!) he couldn't even afford the fookin tax,still owes me 500 quid i am owed from the gran i borrowed him.

i would never have car finance ,buy somthing you can afford and its yours and only yours and work your way up the car ladder.