sotonjoe

ooh ... got any pics?

Right ... should have guessed!

Why the apostrophe in "Z4's" anyway?

Only mainstream film I can remember seeing some double dong action in.

£3345 for my mondeo which isn't as ludicrous as the prices on your cars tbh. I only paid £4400 for it in March so they're looking for the usual dealer margin there tbh. I know I got it for a good price anyway!

unlucky chaps ... I just sold one for £220. Plenty on ebay, but you'll need deep pockets.

I'd say handing over some money has already weakened your position as it implies some guilt on your part. Don't do it! You hadn't done anything wrong in the first place as long as you didn't intentionally mislead. Don't give him anything!

A rise in militancy amongst drivers? Jeez .. get over it!

It made sense until you said... The instances you mentioned, including late payments etc, don't effect the apr at all. Rather, they will alter the balance the apr is applied to and that's how you will end up paying more. As Steve said, the schedule of charges will have been clearly set out in the loan agreement so there's nothing to be challenging unless you're paying charges that weren't set out. People should be facing up to debt not trying to get round it ... somebody has to foot the bill somewhere along the line.

washout for the week!!!

It's like Animal Farm ... I wonder where Keet is now?

Where is the explanation of what the user privileges each level of membership gives you? I see people implying that they can make a limited number of posts without subscribing but I can't see any official notification of this. A clear explanation on the front page would have been nice. At the moment, I've no idea what I'm literally supposed to be buying for my £5!!!!

Nippy as well for a small car apparently.