My BMW Z4 is killing my knee

[Koz]

Is there a cure or am I going to have to sell my car?

I can't, the lease is for 3 years. And I forgot to specify the heated steering wheel :d'oh:

I smell a liar and an attention whore...

[luke]

An attention whore I may be, but I liar I am not!

[luke]

In fact the lease is structured as a personal finance buy back at a guarenteed price deal. I could sell it, but I need to cover the cost of the loan

[raybak]

Didn't you test drive the car before you bought it? I believe that I would have noticed something like this when I tested it.

Ray

[Koz]

In fact the lease is structured as a personal finance buy back at a guarenteed price deal. I could sell it, but I need to cover the cost of the loan

This does not make sense to me. Buy back happens at the end of the lease period? Which I assume would be at a heavy loss, as a car like the Z4 wouldn't generally be eligible for tax refund/credit, compared to a normal finance.
You also can't sell something you don't own, unless the buy back has already happened, in which case it wouldn't be a lease.

And as raybak said why would you buy or lease something you are uncomfortable with?

I am sure there is a reasonably easy way to end a lease where one party is unhappy, the financial penalty wouldn't be as bad as living with something you are unhappy with for year after year while still paying for it.

[luke]

Kos, i did the scheme here: Personal Contract Purchase from Nationwide Vehicle Contracts

Also, no, i didn't test drive it, which was a mistake

[Koz]

Kos, i did the scheme here: Personal Contract Purchase from Nationwide Vehicle Contracts

Also, no, i didn't test drive it, which was a mistake

Yes, you lease it.
So you don't own it. To be able to sell it you must own it.
And to own it, you have to first complete buy it back at a pre-arranged price, on which you have an option.

You have admittedly lied about owning it, given the inconsistencies thus far, I fail to believe that you even lease it.
If I am wrong - then I am sorry; but anyone can say then own/are/do anything on the internet. If something doesn't seem right, it most likely isn't.

[luke]

Ok, short of sending you the loan forms I can't really do anything to convice you.

Ask yourself why I'd lie about a z4, if I was going to lie, I'd have picked something a bit more exotic.

[Dave B]

It does scare me slightly that we hand out driving licences to people lacking the intelligence to understand a finance agreement or to even test drive an expensive car.

[ioan]

Best thing to do is to get a bigger car next time.
Tell you what, a Renault Espace has loads of space for your legs and it can go as fast as the laws allow for it to go, and as far as I can say it usually drives better and faster then all those BMWs I have to constantly overtake on the twisty mountain roads!