Never take out a PCP with BMW Mini Finance. The customer service is appalling. I phoned to ask for a settlement figure and was told I would have nothing to pay if I returned my vehicle. As a result of this, I terminated my contract and bought another car only to be told a couple of days later I actually had over £1500 left to pay! Having admitted their mistake, citing human error, they offered me £75 for highlighting a ‘training need.’ They proceeded to bombard and bully me with letters all within a two week time period! Staff are unaware of their own proceses and procedures and I have been ill advised on various occasions. I would NEVER EVER use or recommend BMW and their financial services to anyone.