I just rang the bank and the figures are as follows.
original loan €18033
Amount paid 6197
arrears 587
settlement 10967
shortfall if surrendered
2765
Thats the figure the bank have me today on the assumption there is no damage to the car. I'd have assumed that the would sell the car first and then give me a figure. But no, she said if i surrender the car undamaged i would then owe them €2765. The figures don't make perfect sense to me but thats twice they have given me roughly the same figures.
eta just had a look at the credit agreement and the loan was €14500. Assume the 18033 she quoted is including interest? Figures make more sense now.
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