Handing cars back on HP?

[AmyOlivia]

Hi wondering if anyone could help me out. A year and a half ago I got an astra on HP, put £1000 deposit down traded a car in and payed over the last year and a half, cars on a 3 year finance so i know i have paid half off. I know I am able to hand this car back to the finance company (Peugeot) but my question is if i hand my car back to them can I then ask them to finance another car? I have been told I can but still am not 100%? I tryed trading my astra in for a new car but got knocked back for finance even though I havent missed any payments on the car, I put it down to the fact I already had a car on HP and it looked like it was unafordable. Basically can I hand my car back and guarantee they will then finance me for another car, cause I dont want to go handing it back and then being carless!! Any help would be great thanks

[bednobs]

i handed my car back earlier this year. They don't like you doing it (even though it's one of the options!) and will make a note on your credit file (not that you've defaulted, just that you ended the agreement early)
Anyway, i got the new finance agreement BEFORE i finished the other one.
you cannot guarantee anyone will give you finance (ever)

[meglet]

I've handed back cars on Finance three times. The finance companies can see your history and you can find it difficult to get Finance again (I know I did) if you hand cars back.

[AmyOlivia]

does the car have to be in the same condition i got it in?

[meglet]

They expect fair wear and tear. I always had a few scratches but never heard a thing back from the finance companies once i handed the cars back.

[bednobs]

when i handed mine back they sent me a booklet stating the condition they would like it in (how big scuffs and scratches could be to be acceptable. It also had to be up to date with the servicing.
I had to pay an extra £130 bwecause there was a scuff than was bigger than the accepted minimujm