Probably a very silly question with an obvious answer BUT I currently have a P400HST on a PCP Finance deal ending in October. Sadly it would appear that the market value of the car is likely to be significantly less than the optional Final payment. In many ways I would like to keep the car but am reluctant to pay more than its worth.... (I could almost afford an SVR instead ) Does anyone know if Land Rover Finance (Black Horse) may be prepared to negotiate on the Final payment charge (as presumably if I return the car it will go for auction and possibly fetch a LOT less).
Any ideas welcome

Never been in that situation but a conversation can't do any harm.
As you say, if they refuse, they get less, so it's in their interests to do a deal.
You will still probably have to pay more than the trade value for it but if you've had it from new and have looked after it, it's very much better the devil you know. 2021 L494 D300MHEV Autobiography
2019 Discovery Sport D180 HSE

You also have the absolute right to complete a voluntary return. Providing you have completed over 50% of the financial agreement (finances not time) you are totally entitled to return the car to the finance house without any further payment provided you are still within the original mileage terms as agreed..
This has no bearing on your credit rating. I have done it numerous times as it makes an SVR on high mileage totally affordable particularly as they have suffered dreadfully financially.
It is legislation so they cannot argue.. Read your finance agreement!

My last few cars I have used for business I have voluntarily returned.. ( you don’t get any money back but you also don’t take a kicking through no fault of your own) . My replacement car was financed subsequently in the same manner by the same finance company…

It is a legal right…

Your old car then enters the second hand market in the usual way for you to find and purchase for considerably less…

Thanks for your comments.
Certainly nothing to lose by talking to LR Finance - they can only say no.
I am more than happy to keep the car until the end of the Agreement. If I do then send it back is there an easy way of finding out where it ends up being on sale?

They'll probably tell you, but many of these sales are dealer only so you may not be allowed in to bid. 2021 L494 D300MHEV Autobiography
2019 Discovery Sport D180 HSE

Farmer Chalk wrote:

You also have the absolute right to complete a voluntary return. Providing you have completed over 50% of the financial agreement (finances not time) you are totally entitled to return the car to the finance house without any further payment provided you are still within the original mileage terms as agreed..
This has no bearing on your credit rating. I have done it numerous times as it makes an SVR on high mileage totally affordable particularly as they have suffered dreadfully financially.
It is legislation so they cannot argue.. Read your finance agreement!

My last few cars I have used for business I have voluntarily returned.. ( you don’t get any money back but you also don’t take a kicking through no fault of your own) . My replacement car was financed subsequently in the same manner by the same finance company…

It is a legal right…

Your old car then enters the second hand market in the usual way for you to find and purchase for considerably less…