One,
Sorry to hear your leaving. Though it seemed you did always love your other manufacturers more. At least you realize that merc has more problems than jaguar does. At least Lexus is always out there for those not looking for what the jag has to offer. Can't make everyone happy.

One other thing wouldn't it be less expensive to just sell the car for a loss and pay off the rest? By the time you add attorney fees and the hassle that you are talking about going through what is the difference between what you want to do and what I just suggested?

I had no problems getting rid of my 2002 with I think 70k miles for $11k. I told the guy that bought it every problem it had and anything that was ever fixed and every incident that I knew of.