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Thanks for the welcome and the prompt replies.
@ JonF1982 - Thanks for your comments. So just to clarify, if you negotiate the discount up front, then the PCP deal is what it is? But as you have said, I should try and get a bit more off the monthly payments if possible. Is that right?
Also, where does the 4.9% come into it? If we take option 1 as an example, the total I would pay is £31,134, so I would be paying £3103 interest. That is not 4.9% of any of the figures mentioned??
Thanks.
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