BEWARE - Stay well clear of BMW Finance! I rang them for a redemption figure, because I had sold my car. I cleared the outstanding finance in the same day. Their adviser told me I could cancel my direct debit and he confirmed the debt had been repaid. A few weeks later they sent me a letter saying I owe 1 more payment and they slapped a late payment on my credit file. If you try and call them they promise to look into it and "one of their managers will call you back", but this never happens. They won't even respond to complaint letters. I've never had dealings with such an unprofessional company in all my life. If you thinking about getting finance from this company honestly run a mile, it's not worth all the stress you will have.