Let me tell you about my journey with Rawlingsons. I paid a deposit of £1,800 for a Dacia Stepway, agreeing to pay around £200 a month over a 4‑year term. Two years into the agreement, they contacted me saying my car had reached its optimum equity point and that now was the ideal time to change it. I trusted their advice, thinking they would keep me updated and let me know when it was best to switch again — but that never happened. I later found out they no longer stock or deal with Dacia vehicles. They then claimed the earlier offer was only possible due to Covid‑related vehicle backlogs, which came as a surprise. Now, after keeping strictly to their plan for the full 4 years, I will hand the car back with no equity at all. On top of that, servicing costs have risen sharply: my last service was £270, and the next one — due after only 7,000 miles — is quoted at £450. The service interval also dropped from 10,000 miles between checks to just 7,000 once regular payments started. My advice is: be very careful. Make sure you fully understand what to expect before you sign up. Who knows — in 3 or 4 years, they might only be selling MG instead, leaving you stuck looking elsewhere to hand your vehicle back and check if you have any equity left.