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I would much rather buy a car with finance used than one without.
I would rather pay Lombard, Blackhorse, Mercedes, BMW, VW etc. £15,000 than some individual, as you know none of those companies would be in on any scam.
Most important thing these days is Log Book Loans, they don't have to register their interest, and they own the car, so you could find the seller takes out a laon the day before and then you take the car, you will get it repossessed a couple of months later.
A couple of HPI companies are now covering for this, that is now an essential part of any car purchase.
But this log book loan thing needs to be sorted out as it is becoming a serious issue.
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