Equalisation charge - NMC battery

Who pays the final ballon payment at the end of a PCP plan ?.
Nobody I would hazard a guess 🤣
I can imagine some people may want to keep the car, I would have done had it been economical, but defo NOT on their terms, I did ring Santander to see if they were amenable to a deal, it was an emphatic NO, THEIR CHOICE,!
Surely it would have saved them a lot of money and hassle to let the customer keep the car, but like battery technology, I'm less familiar with how financial services work.
Good init?
 

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