Hello Kevin,

It’s a tricky one for you, but if you’re desperate to stay with the Octavia, perhaps you could look at a hire car in the interim period between your 162 vehicle going back and the 2020 version arriving? This, though, isn’t the most financially-savvy move and so you’re probably better off taking out a PCP on another car of your choosing, before trading to the new Octavia in a few years’ time. You can renegotiate PCP deals to end before their time, although that might take a lot of capital that you don’t have. Perhaps you should pay the optional final payment on your current Octavia, and then use the entire value of the car as a deposit on a new Octavia in 2020? Again, you’ll need a fair chunk of cash to buy your Octavia outright.