I'm at the end of my PCP contract next month and I'm happy to say the car is upside down by 10k. Borrowed it for £50k with £1k deposit and payments of £717 per month with guaranteed residual value of £38k after two years, the best offer I've been given is £28k (over the phone which they will chip me guaranteed) so the lender is having it back.
All I have to do now is beat the dealerships into submission over the next month telling them what they already know that all their stock is grossly overpriced and it would be better to sell it to me rather than sending it to the block in a few months.