Today I was in my local vauxhall dealer and they have a 2005 55 plate Zafira VXR in arden blue for £14995. I don't know what mileage it has done as I didn't get a chance to see. Anyway I have fallen in love with it and need to have it (you understand me when I say NEED), my quandry is this, as it's used they won't do a 0% finance option on it just a HP deal of £356 a month for 60 months with all the usual add ins PP, Gap and so on. Now that is affordable to me so I am still loving the idea of this car even more especially as it's (believe it or not) not far off what I am paying now for my car (it was with one of those any car finance jobbies and before you say I know but at the time I didn't know any better and have any choice) So as it's monthly affordable I pressed the salesman further only to find out after getting a settlement figure from my current finance company I have a difference of £3000 of negative equity on my car (the difference on what the settlement is and how much my car is worth). So do I wait until the two year mark of my current four year deal and voluntarily terminate and hand the car back to them (If so would this actually affect my credit rating) and start over with a second hand VXR or stop cutting myself up about it and pay what I owe and buy a VXR in two years time when I'm paid up and their a bit cheaper. Help me please cos I really want this car.