[humph]

This sort of PCP deal is a good way of keeping your monthly payments low(er). Only works if you intend on handing the car back at the end of the finance period, paying the final balloon payment makes the whole thing very expensive. My new deal allows me to drive a brand new Cooper for £30/month more than I was paying for my previous 3 yr old one on straight car finance. Straight finance on my current one would be at least double what I pay now. The thing that surprised my was how low the excess mileage charges are on MINI's, mine are 2.1p/mile, compared to other manufacturers. It's each to their own really but so far it's working for me.