Half way rules for giving a car back to finance company?

I'm due to hand car back next next week under the half way rule agreement? ( sob sob, really done want to as i love my car )

Does anyone have a finance contract with GE Money at the moment and would be able to tell me their rules for handing it back.

I'm am having a nightmare with them at the moment, in regards to arranging this? Have no idea if they will come and collect the car, do i need to drop it anyway. Also what condition does the car need to be in? I have 1 tiny dent where some silly woman hit me ages ago. Also being a bit of a clumsy idiot the other day I managed to shut my front door on my car key. Now with a bit of help from the hammer i managed to fix it, and it will go in the car just needs a bit of help and the same with removing it. I have a spare key which my mum keeps for me, so there is still 1 good key, will i need to give the car back with 2 keys.

I'm amazed since a few months ago i got a bit behind with my payment, and i'm not joking i would have up to 5-6 people calling me a day about this, Even after talking to someone and organising something i would still get phone calls from them on a daily basic, but when it comes to this surprise surprise no one is ever available to answer my questions!

My last payment is on the 22nd of this month, what if it doesn't get sorted by the 22nd of September will i have to pay for that month as well, even though i have informed them that i will be handing the car back. They have know for about 2 months now that this is my intention.

Has anyone done this with them, whats the normal procedure with them regarding this?

Thanks

As far as I am aware the Banks view this as the last resort and will not help you in any way. I suppose this is more so with GE as they have pulled out of the Irish market. I would speak to your legal representative and send them a letter telling them what YOU are going to do. ie drop the car back to the garage where you purchased it and I'm sure you will get a reaction

Get a copy of the original agreement if you don't have one anymore. GE can charge for damage to the car which is assessed when it is taken back. Might be wise to have it inspected and take photos of the condition yourself in case you later disagree with their assessment. I would suggest you try to deliver it back yourself. Ask them for details of where it should be dropped back to. That way you can arrange to do it asap and also avoid collection charges which i am sure will be in the agreement also.

The bank may not like it but you are exercising your rights under the agreement so stand firm, get the names of who you speak to on the phone. If you are not getting anywhere then you may need to contact the financial ombudsman. Check wwwitsyoumoney.ie for further help