Personal Contract Purchase deals… Rent-A-Car.

The shocking PCP deception that has fooled hundreds of thousands.

PCP stands for Personal Contract Purchase. Basically it’s for high fliers who change their car every two or three years or for those that don’t have a large amount of cash to buy it outright. I did have, including the car I had at the time as a trade in and a little help from my father. However, despite telling the salesman I had enough money, I was railroaded into getting it on PCP. Before I knew it, I’d got the car I wanted but it was on their terms and discarded the fact I could totally finance it without PCP. Never at any time was the word ‘rental’ used. It is probably in the small print though.

PCP is effectively loaning a car to you at a hefty price and then you have the opportunity to buy it for a lump sum at the end of the contract. In this case it was an Audi dealership but they all work in a similar way. If I had wanted to hire a car, I would have gone to a car hire/rental company. If they had such confidence in the arrangement, they wouldn’t have to conceal it by calling them a Personal Contract Purchase.

The motor industry, just like almost every other trade are trying to find increasingly imaginative tricks to part people from their money and this is one of them. If I hadn’t bought the car 12 months before the agreement was complete, I would have actually given my previous car away, paid a five thousand pound deposit and paid £4,800 for three years and be left with an empty car parking space. It’s a scam. Here is a run-down of my own costs:

£4,750.00 Part exchange on my previous car. £5,000.00 deposit and then £4,800.00 a year for 3 years. That’s £24,150.00 for a car that was going to be taken from me at the end of three years, unless I gave them a lump sum called a ‘balloon’ payment of almost £14,000. That’s not forgetting that if they deem the car to be in a poorer condition than they expected, they could charge you for the cost to repair any damage, if you decide to hand it back.

But that isn’t all. There are mileage restrictions and in my case it was 20,000 miles a year. I have only just gone over half way of the 60,000 miles limitation on my car so that was never an issue for me. There is a charge per mile for going over the agreed figure.

My day to day running costs have been around £6,500 – £7,000 during the time I’ve had the car but I’ve been particularly unlucky with damaged tyres.

To add insult to injury, the con artists at Audi Finance UK have taken another £400 from my account – blaming an administrative error. I emailed my complaint about their poor service and overcharging and was basically told to wait until they decide to repay me.

Raquel Eason, the Retail Customer Services Advisor informed me:

“Please rest assured that I have now requested for a manual closure of your agreement to honour the settlement quote which expired on 10th January.”

” It takes approximately 10-14 days for the agreement to fully close on our systems, once the process is complete, a letter will be sent by post confirming the clearance of finance interest in your vehicle.”

“For the January rental, the quickest way to get the funds back to your account is to claim indemnity for the payment directly with your bank – they should then return the funds to you within 24 hours. Alternatively we would have to wait 7 days for the funds to clear on our side before a refund can be raised.”

So, I should have paid the full settlement figure even though they had took the December payment and then they would have refunded me. Either way, I end up being £400 out of pocket until Audi Finance UK decide to reimburse me.

As you can see, she describes the agreement as ‘January rental’ yet at no time prior to ‘purchase’ was the word rental used. If it had been, I would have walked out there and then. She tells me I can get the money back from my bank if I contact them. Has she tried to get a real person on the phone from a bank recently? Alternatively, I can wait until they decide to repay me.

She also claims that it’s a 10 to 14 day wait for an agreement to fully close. Which planet is she from? Horse drawn carriage mail could have resulted in a quicker conclusion.

I will be contacting Audi Finance UK about Raquel Eason’s claims in due course.






The operation to destroy Iran begins.

Plan B appears to be a colour revolution.

Israeli driven US policy appears to have given up on hurting Iran via the Syrian conflict and is moving to a secondary phase of encouraging violent disorder to bring the Iranian leadership to its knees. The media have taken up the opportunity to support the condemnation of unverified Iranian brutality against the protesters. This is the very same media that routinely condemns all anti government campaigners as being violent thugs. But this is Iran, the concerted effort will be to blame the Revolutionary Guards. Does Iran not have a police force?

The contrasting reactions would be funny if it weren’t so serious. BBC radio enjoyed the story of a violent uprising so much they repeated it once again after it had just been broadcast on the news. Yes, the very same BBC that continually claimed that there was a quarter of a million civilians being bombarded by Syrian and Russian fighter jets in Aleppo. The lies were exposed when just a few thousand civilians filtered out after it was liberated.

Protecting Israeli intent.

Pro Israeli editors and staff at news agencies know that their continued success is reliant on a minimum of putting the correct spin on a feature. The only other alternative is to ignore them completely and this is the reason so many people around the world are unaware of Israeli brutality and land theft.

If protests were widespread in Iran, why would the average Westerner be interested?  The ground is being laid to try to turn the screw on the Iranian government in anticipation of further sanctions. The US and UK constantly use the collective punishment against countries to make them comply to their wishes. These are an act of war.

The Iranian system of governance isn’t perfect but being lectured by messrs Trump, Netanyahu and Hillary Clinton takes the biscuit. These intellectual dwarves don’t merit being listened to. Their only concern about Iran is how much they can weaken them to prohibit support for the Palestinians and Hezbollah. They don’t care about Arabs , Persians or Africans, demonstrably proven by their willingness to kill hundreds of thousands, without the slightest regret.

Both Trump and Netanyahu have voiced support for rioters in Iran to continue their efforts to cause chaos and this should be the end of the disharmony. After all, an elected leader that has proven to be a prolific liar and Israeli firster, combined with the corrupt Netanyahu should be enough to quell even the most stupid ‘reformers’.

If that isn’t enough, Iranians should cast their minds back to the many and varied threats that have been issued by the two bald headed, vanity obsessed charlatans. If Trump succeeds in destroying the nuclear agreement, it could have catastrophic repercussions for all Iranians and bring about the implementation of even more sanctions. Netanyahu’s position needs no explaining, he believes that Israel is entitled to attack any nation that they perceive to be a threat. The all encompassing nature of their ‘right to self defence’ would be fine in the hands of a sane government but Israel have already used their ‘entitlement’ to attack Syria, without producing an ounce of evidence to justify their unprovoked assaults

This attack on Iran is looking very similar to the run up to the Syrian catastrophe. The techniques used are very sophisticated and there will have been a lot of planning by US and Israeli intelligence agencies in the preceding months and even years.

The Iranian people would do well to avoid the rioting on the streets. It will soon be joined by snipers killing anyone that is involved on either side. The template is Syria, the result could be much worse than Libya.