I really could not get my head around it, all these different schemes, PCP, Lease purchase etc. I was brought up by my dad that you could only afford something if you had the cash to pay for it entirely, otherwise you didn't buy it. Any finance or loans were seen with very negative eyes. As a result I have always paid in cash in full for cars (Including that brand new RRS SC I had...ouch.... )

I asked Kam to explain it for me (as I have a small project in the wings) and I got much more than I bargained for. In his words "an essay" on what they are, how they work and what's in it for me and the banks. I now understand and now know how I might purchase my next car, and NOT with hard cash!

If you have any doubts over how to finance your next car, whether its new or 2nd hand, speak to Kam first, you have absolutely nothing to lose and everything to gain. he's totally altered my perceptions. Brilliant and helpful advice and all for free. There's far too little of that out there these days.

Nice one Kam, superb.  THE INVENTOR OF THE TERM "FULL-FAT RANGE ROVER" :
http://www.fullfatrr.com/forum/topic666.ht...vented#end

2008MY TDV8 Vogue SE, Stornoway/Jet/Piano/ RSE+DVD
2003 Defender 90 TD5 Hard Top-Pumped!

*Gone: Range Rover Vogue TD6, JE Stage 1
*Gone: Range Rover Sport Supercharged 4.2V8
*Gone: Range Rover Vogue Classic 3.9 Auto
*Gone: Land Rover Series 3 SWB

Thanks RRUK, glad to have been of some help.
Anything else you need, please don't hesitate to contact me.

Cheers again.
Kam. Past: Bmw M3 E92 Coupe 57, Bmw 335d Coupe 56, Audi RS4 06, RR Sport TD HSE 05,

Current:
57 Bmw 730d Sport, 56 Merc S320 CDI L, 57/08 Merc Viano L 2.2CDI x2. Audi A8 3.0 TDI Quattro.
WWW.MHCFINANCE.CO.UK
Kam@Mhasnain.co.uk
0121-622-1369

FOR ALL YOUR GAP INSURANCE NEEDS: www.gapinsuranceuk.net