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      02-11-2020, 02:03 PM   #14
davekilshaw
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United Kingdom
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Drives: BMW 320D M Sport G20
Join Date: Jun 2019
Location: UK

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I did VT on my X4 in March, I was just on 3 years into my 4 year PCP.

On the damage side I will never get anything done now on cars, just hand them back.. the prices are based on a standard, and it's cheap.. I had a dent on the roof and a cracked outer case on my wing mirror. BMW cost was £40 for dent and £90 for mirror.. I get a quote before I went with VT and it was £250 for dent and £495 for mirror... So beware, don't just fix everything before handing back, let them do the work.
Turned out they picked my car up from dealership and never charged me a penny..

As for the credit side of VT, I have no blacklisting, no mark on my credit reports. All it says is settled. Exactly like it did when I finished my last PCP on my 4 series, nothing different...

I will be doing VT on this car as well when it reaches the 3 year, 50% paid terms.. Totally best option. Even my dealership has said they are now advising it for people who don't want to carry on to 4 years and want a new model...