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Sorry gents think PCP is just another bad trait of today’s society it’s just another form of renting and the only beneficiary is person/s renting it out that’s why they do it,and because folks do not have the ability to buy in the first place at the end of their PCP period they end up with nothing,what happened to the days of if you couldn’t afford to buy you went without until you could....In your position Nick i’d Have thought with an intermittent cash flow even more reason to buy outright so in the hard times you are not paying out.The same logic applies with house ownership when one comes to the end of a working life(As I have) its all about cash flow as in minimum,we are just coming to the end of our first 12 months of retirement financially we are better off than we were 10 years ago partially helped by never renting anything.Sorry about the rant but our retirement is turning into something very special but it all hinges on money you put away in previous years.