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That's exactly what I'm saying, its a rental scheme where you paying over the odds for having something you can't realistically afford. Its obviously effective as there are so many people subscribing to it, but its akin to renting a property, at the end of the term there is no asset. Its all...

As i understand it over 90% of new cars on the road are not paid for, they are either on finance or lease/rent with a huge balloon payment at the end which means they just hand them back. So they never own them which means its very easy for anyone to drive any car they want without actually...