Complete nonsense! The EU have channged the law, you can pay off in part or in full at any time during the agreement, you will save money as you get a rebate of interest. There are NO fees for settling early!

You are correct about the pro rata interest relief but there are nearly always early settlement fees - if there are none, it is actually used as a selling point of the loan over and above the competition. You should always ensure you read the small print for any loan you are considering taking out so you fully understand what you are signing up to.

Not really a scam, and I have mentioned it here before, but it was a classic.

My friend and I went to see the E92 M3 when it came out. I was pointing out the carbon fibre roof to my friend when the salesman comes over. My friend asks the salesman why it has a carbon fibre roof.

"Two reasons. One, it is made of carbon fibre. Two, it is a great feature"

When looking at a car, I was once told that the blue exhaust & suspension on the near side was down to colour coding, not overspray.

So, the dealer with the more expensive car, gave you an extra £2k in px. Surely all he was doing was giving you a £2k discount. Therefore your cost to change was the same for both cars?

I've never understood this business of tyre swapping, although have fallen foul of it once

Presumably, as part of a different deal on another car a buyer wants the tyres changing - so the crafty dealer swaps them off another car (the one you intend to buy).

In my case, i was lucky as the dealer had included pictures of all the wheels in their advert which clearly showed 4 meaty Michelins. The 2 Bridgestone & 2 Champiro tyres which i found on there when i went to pick it up stood out like a sore thumb. tt even argued the point that i was in the wrong, that was until i showed him the pics on my iphone

Guess who got their deposit back and went elsewhere

Yes, i know dealers have got to make a living and times are hard, but the rotten ones really are a right bunch of bds

Last month i drove from Sheffield to Warrington to look at a car described as Pristine condition. Forecourt turned out to be someones house and the 'pristine' car was in a right state. Front bumper peppered with stone chips, scratches all over it and the bottom half of the two nearside doors had the tell tale sandpaper fell of a cheap blowover. I told him where i was coming from and told him i would simply walk if not as described, yet i still got the A1 speach ..Nobbber

I've had a bit of all this from quite a few dealers over the years.

So in the interests of fairness and balance, can I 'big up' a dealer I bought a car from 18 months ago?

Had been looking for a specific car for around a specific price (around 3k) for a while. I had travelled and viewed 4 'howlers' offered in private sales that were nowhere near described.

I then found what appeared to be a car matching my criteria, at a dealers in West Sussex called Bipod Cars.

I called them, and they gave me a calm, rational and 'sensationalsit / adjective' free description of the vehicle. I arranged to view later that day.

Arrived as arranged. Car was moved from outside in the rain, into their little workshop where it was leathered off dry for me. I was left to conduct my usual nine-million point OCD checks, with no interruptions or sales pitch.

I was later left in a comfy leather sofa in reception to forensically analyse the service history (which was absolutely lovely).

They'd taken the car in as a P/X, and I think wanted to get shot - as most of their cars are quite high-end luxury rides.

I was so happy to find such a nice example at a dealer, with great history - described to me over the phone with absolute accuracy, and no sales pitch or other rubbish levelled at me when I got there. Ok, they might well have known it was a nice example and would maybe sell itself - but still, it was so refreshing to receive nothing but professional courtesy, politeness and discretion when buying a used car from a dealer.

I then made an offer which was accepted without fuss, (500 quid off a 3 grand price) I paid the man, and drove away in my new car (which is still fabulous, 18 months later)

So yeah - I'll be going back to Bipod Cars next time too!

I'm not convinced, when I bought my car I was sure to check for early repayment fees and there where non. I think there was something about frontloading interest, so if paid of within the first few months it would be more expensive.

Recently I made an overpayment on my car finance which resulted in the following letter:

So I'm inclined to agree with rgw2012

You want to try telling my bank that!

To be fair the latter one can easily be a mistake, hardly a scam.