A couple of things to consider, payment via bacs does not give you any protections as paying by credit card does. The overriding thing with the motability system is there is no contract until the moment you enter the pin number. We are free to cancel at anytime until then.
Also why are people paying down payments on Motorbility cars?
Had 4 now, never payed a penny until pick up day and always used credit cards to pay the AP/add on’s.
The costs involved in various payment methods are a matter for the dealership and their bank, nowt to do with us.
We seem to be being dragged into the spiral of handing over money, which could be lost, if circumstances change and not forgetting the folks who negotiate the terms do it with us in mind, not the car industry.
After all do you really trust a profession that cheated hundreds of thousands of people. However I digress.
My two peneth