According to the finance company the balance has to Be paid off by a 3rd party.That is exactly how a PCP works. At the end of the term you either settle off the finance and then own it outright, or you hand it back and use any collateral against a new one. Not sure if a lease would be different - however, having a lease car for work we have the option to buy it from the lease company at the end of the term or hand it back. Can't imagine VW would insist on having it back and not give you a purchase option. Weird.
The way people get around it is to do as said previously, get a friend or family member to pay it off in their name and sign it back over to you.
I don't know if commercial is different to cars but I thought like you I could just return, pay off outstanding balance or trade in for replacement and use the difference between outstanding balance and vans value as a deposit on next van.
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