My PCP ends in early October with last payment early September. My plan was to hand the car back towards the end of August so I don't need to MOT it or even pay the £20 tax. I called today and explained I was happy to pay last payment to complete the terms of the PCP contract. Person at Audi Finance said I couldn't do this. If I wanted to return the car before the date of the last payment I would have to VT it. In order to VT it I still have to pay pretty much the same amount of money anyway. So it looks like I'll just need to keep it beyond my last payment date. Returning it also seems a mess. You can't take it somewhere, you have to arrange for someone from British Car Auctions to collect it. They'll have to collect it from my work as I can't take time off to wait around for somebody to collect it.