>> They seem more like finance houses for the unwary than car sales people
Which is exactly what they are. Finance businesses with a side-line in cars. Motorpoint will for example sort out car loans. We once bought a car and didn't read all the small print.... when I realised it was actually HP I got in touch with the finance people (part of Lloyds) and swapped it to a proper loan. Should have read the small print... but the APR was low.
Paid it off soon after with a bonus anyway.
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