Companies my arse they are out to make a profit not to help you I remember years ago getting finance on all my new cars was so easy no experian and the others cause many people stress. As said many years ago if you do not pay they take it away there are many elderly and disabled that could leave motability and have a great car perhaps even cheaper that are stuck with Motability which is not really right.It is the FCA that has put the boot in on many companies as I have a lease on a mobility scooter no credit check due to me being a good customer for many years and very happy I am.