Horrendous financial company to deal with. Don't trust them. I bought a used car on Hire Purchase and decided to pay it off early. I paid large sums of money towards this early repayment to reduce my term and reduce my monthly payments. And then a final large sum to pay the settlement figure. However, BMW Finance decided to add more borrowing to my account too. Therefore making no difference to the amount I owed. I received arrears letter after arrears letter; my credit score became affected; direct debits were still taken from my account after the settlement; indemnity claims were made and then charged; and I spent weeks on the phone to BMW trying to get it sorted. The customer service was atrocious. I was told several times that I was wrong, spoken over, that mangers would call me back and never did, I wrote emails detailing all calculations that were replied to with the same arrears info saying I was wrong. I fought tooth and nail to finally get this sorted and now they're doing the same thing with my wife. Don't put yourself through the stress. I can't imagine how many people they have scammed of money.