VS Guide

Your guide to Voluntary SURRENDER

What is a Voluntary Surrender?

When you finance a vehicle from us, we retain the legal title to the vehicle until the loan is paid off meaning that if you stop making repayments to us, we are entitled to take steps to repossess the vehicle.

A Voluntary Surrender occurs when you contact us to advise us your financial circumstances have changed and that you are no longer able to maintain the monthly payments or, alternatively, you no longer wish to retain the vehicle. This can be done at any point during the agreement by either the main customer or the co-applicant.

How would this affect me?

Although you would be surrendering the vehicle voluntarily, this would still be classed as a default on your loan.  This will have a negative impact on your credit score and potentially affect your ability to obtain credit in the future.

When the vehicle is returned, it will be sold at auction by Vauxhall Finance (or its third party agents) for the best possible price based on the condition of the vehicle. The proceeds from the sale will be used to  offset the outstanding balance remaining on the loan. If there is still a balance left on your account after the sale proceeds have been applied, you will be liable to pay this amount – this is known as a shortfall.

How does it work?

STEP 1 – Applying for the Voluntary Surrender

Download the Voluntary Surrender Application Form and email the completed form to Voluntary_Surrender@Vauxhallfinance.com. If you would prefer the application form to be sent to you by post please request this via email or contact us on 0344 871 2222.


You will need to provide the following information:

  • The subject line of the email should read: VS Application
  • Your Full Name
  • Address
  • Date of Birth
  • Your Registration and Agreement Number
  • Your Preferred Contact Telephone Number


By returning the completed application form, you confirm that you have read, understood and agree to be bound by the conditions as set out on the Voluntary Surrender website (or as the Voluntary Surrender process may have been otherwise relayed to you).

STEP 2 – Arranging the return of your vehicle​

On receipt of your completed application form, we will initiate the Voluntary Surrender process.


Within five (5) working days, our third party agent will contact you to arrange an appointment for your vehicle to either be inspected and collected (at an additional fee) or for you to drop the vehicle to the inspection centre.


Please be advised if you fail to keep an appointment, then you will become liable to pay a missed appointment fee of £102.00 inc VAT. Should you need to rearrange your appointment, you must inform our inspection agent no later than 4pm the day before the appointment is scheduled or you will be charged the above missed appointment fee.

Following the Voluntary Surrender, you will no longer have our permission to retain possession of the vehicle. As such, a return appointment will need to be made as soon as is convenient.

If you fail to arrange a return appointment within a maximum of twenty-eight (28) days from receipt of your completed application form, we will make arrangements with our agents to collect the vehicle and you will become liable for any additional enforcement and repossession costs.

Vauxhall Approved Auction Houses are as follows:

Aston Barclay Auctions Chelmsford

Drovers Way, Chelmsford, CM2 5PP

Aston Barclay Auctions Donington Park

Castle Donington, Derby, DE74 2RP

Aston Barclay Auctions Prees Heath

Heath Road, Whitchurch, SY13 2AE

Aston Barclay Auctions Wakefield

Harvard Way, Normanton Ind Est, Normanton, WF6 1FL

Aston Barclay Auctions Westbury

Brook Lane, Westbury, BA13 4EN

Manheim Inspection Services Shotts

Stane Rd, Shotts, ML7, 5NH

City Auction Group Belfast

10 Comber Road, Carryduff, Belfast, BT8 8AN

Please note that the Auction House opening hours are Monday to Friday, 9am to 5pm.

STEP 3 - Preparing for the return

Person signing paperwork

Please ensure the vehicle is road legal, clean and has at least a quarter of a tank of fuel for the day of collection to avoid incurring further costs.


In the event you have a private registration number which you wish to retain, please complete the necessary paperwork via the DVLA. This must be complete before the vehicle return date or you are at risk of losing this registration number. Please note this process can take up to six (6) weeks. Vauxhall Finance does not accept or assume any liability or responsibility whatsoever for the loss of a personalised number plate.

STEP 4 – Returning your vehicle

On the day you hand the vehicle back, the following must be provided to the inspector:


  1. The Log Book (V5c) – If you have a personalized plate, the V5c must be in the correct registration;
  2. both keys to the vehicle; and the vehicle service history.


If you fail to supply the V5c, a charge of £67.00 (VAT not applicable) will become payable by you. To avoid this charge, please order a new V5c from the DVLA prior to the return of your vehicle.


You will also need to provide the DVLA with certain information relating to your decision to voluntarily surrender the vehicle using one of the methods set out below.


  1. By post:


Please fill in and send the yellow slip on the V5c to the DVLA (the information that will be required by the DVLA has been provided below). It will take approximately four (4) weeks for the DVLA to confirm you are no longer the keeper.


  1. Online:


Please visit the DVLA website and provide the information below online. Please note, you will need to select that you are a Motor Trader on the form to progress.


Information required by the DVLA:


Date of sale: Enter the date your vehicle was collected by our third party agent or the date the vehicle was returned to the inspection centre


Name and address of the motor trader: Vauxhall Finance Heol-y-Gamlas, Parc Nantgarw, Treforest, CF15 7QU


Do not complete any other section of the V5c documentation as this will invalidate your V5c.

Person looking at a car and filling in a checklist

STEP 5 – What happens next?​

Once the vehicle has been sold and the proceeds applied to your account, our team will notify you in writing of any shortfall on your account and the next steps in relation to the shortfall.


If there is no shortfall on your account once the sale proceeds have been applied, our team will notify you in writing, close your account and update your credit file accordingly.


Please note the timescale for us contacting you after the return of your vehicle will depend on how long the vehicle takes to sell at auction.