OK so I sent AF an email asking when my car would be in voluntary termination territory. I received an email yesterday saying 16 month time, so January 2021! Thinking this is wrong I just phoned them up! He went through all the security questions etc and then I asked for him to double check the date of the VT as I think it's wrong...He came back with a confident 16 months/January 2021 as it says in the email you received I then said "Can you tell me when my contract is up then please?"....he looked and said "ohhh errr yeahhh that doesn't make sense does it?!?!? October 2020" so my contract ends 3 months before I can VT He couldn't explain why and just said "It looks like you will be just handing the keys back next October then"