Hi Dominika,

Well, that car is worth about €12,000 to €13,000 if in mint condition (the bumper scratch would depress the value, therefore), but if there’s finance outstanding on it, you’re not going to be able to sell it – especially if it’s on a PCP deal. Until you’ve paid all of the finance off, you do not own the car; the finance company does. Check what deal your car is on but, at the moment, we’d suggest you think about repairing the bumper on the Volkswagen and then keeping it.