You can exit your HP / Lease agreement by means of handing your vehicle over to Vehicle SOLUTIONS to find somebody else to TAKE OVER your car payments.
You have to sell the car at current retail value but you will have to cover the shortfall at the bank which does not make sense as you will loose money on the deal.
You can either hand the car back to the bank but they will sell your vehicle on auction, most of the time for less than you owe them. You will still be liable for the outstandig amount, and worse you will be BLACKLISTED.
You can hand the vehicle over to Vehicle SOLUTIONS. We will settle all arrears on your vehicle, if any, and the person will TAKE OVER payment on your car thereby restoring / maintaining your credit scoring at the bank.