I bought a new car on PCP 3 years ago. I've made all the payments on time, car is well under mileage and car was in good condition, however as the car is worth less than the GMFV I've given the car back to the finance company. I've had to pay an "Option to Purchase Fee" of £60 which I don't think I should be liable to pay as I haven't purchased the car but VW are saying this is actually an admin fee and it is standard across the industry. Am I just being a bit naive in thinking that a fee named "option to purchase" should only be applicable if you are actually purchasing the car??