Imagine how fun it was for finance dealers with high GFVs on their books when the crisis happened and used values tankedSo you'd have paid £14,000 over the three years including your deposit, and they are telling you that the car is only worth £6600. Surely it's in their interest to have a higher GFV making the car appeal to more with cheaper monthly payments? Unless they think it will be worth just £6600 after 3 years..
