Hi folks. Has anyone ever voluntarily terminated a pcp agreement? Does it have a negative effect on your financial record? Have seen on martin lewis site that many people are doing this. I'm only a few hundred pounds away from reaching that point with BMW finance whereas the dealers are saying I'm £2.5k in negative equity on my G30 when initially trying to do a deal prior to lockdown for a G05. If I voluntarily terminated I would be £2.5k better off which I can put towards the G05.