A bit like in the case of a conditional sales contract, but with additional flexibility, since part of the costs are deferred until the end of the contract, which can give you the advantage of a reduction in monthly payments. The deferred amount is called a guaranteed Future Value (GFV), sometimes referred to as an optional final payment. If you wish to keep your vehicle after the end of your PCP agreement, but you are unable to make the final balloon payment, we will reschedule this amount, subject to your authorization. If your agreement is governed by the Consumer Credit Act or if your complaint relates to an insurance product linked to your account, you have the right to refer your claim to the Financial Ombudsman`s Service. If you are a small to medium-sized business, you can also file your complaint. .