Did not apply to moneybarn or concept cars yet they managed to get hold of my details from a "secure" site?? Which i only found out AFTER i signed! Concept "lost" my spare key & service book in the post & moneybarn rejected my claim for loss & supported Concept cars even though i had proof! Financial Ombudsman ruled in MY FAVOUR yet moneybarn refuse to uphold the findings & expect me to pay upfront for spare key & service book! Dont think so! Now car is leaking rainwater into the drivers footwell yet car apparantley had only done 26k on a 2016 plate?? Lying, robbing thieves that thrive on peoples past! Avoid at all costs!