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It's fairly likely you'll need to be into your 4th year before you have paid 50% of the total amount (cost of car + interest) Your documents will highlight the amount you need to pay before you can VT. You will have to ask them if you can pay it off early and perhaps sell the car + make up the diffe...

As Nearlyold says, on PCP the 50% is the TOTAL amount including the balloon payment and any interest So say you have PCP for 15k on 0% finance You pay £500 deposit and have a £5000 GMV, you are borrowing £9500. Let's say £263.66 a month over 3 years (9500/36) 263.66*12 = £3166.66 + £500 deposi...

“ That's a very good point. I'll be running through their website and terms word by word and bringing it up with their fraud team. There's no way he has access to my bank details and I do my own self assessments so I monitor all incoming monies. They've clearly paid it directly to him which, ...

Safety Net Credit says they need read only access to your internet banking and the money should be paid into the account your income is paid into so you need to provide them with your internet login details. I am not sure how he could borrow money in your name and have the money paid into a differen...

“ Nasqueron...Thanks for the post... Although in reality it would take nearer 2 years to save, and it could be argued that in that time the property could have went up in value and will require more deposit and more mortgage...anyway its still a valid point. 80K mortgage paying off in 3 years...

If you take out a pay day loan the money needs to go into your account, you can't take a loan out in someone else's name and have the money go into your own account so can you advise what happened here? You have to go all in on the police, the second you start wavering and talk about not prosecuting...

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