What would be simpler than deducting the GCB from the AP when collecting the car under the condition that you repay the GCB should the car be found to be wrecked as you can’t run away and hide can you and should you not have to pay an AP, send the cheque or transfer the money.
God knows transfers are so easy theses day as more often than not I have to transfer the odd tenner or two to the grand-kids account because there skint and can’t make payday.?