Psychopathic company; (no seriously, PSYCHOPATHIC!!); who go that extra mile to make sure you are culpable under the agreement you 'sign'. Truly theirs a culture of dishonestly which form the spine of the entire company, and they will go to court and blame their sh*t on you - in front of your face! Even the director fraudulently countersigning the agreement, after 18 months,- yet failing to disclose the same. - and maintaining the false narrative, in a court via their 'senior litigation manager' - if any ambiguity remained about their intent. also They withheld the 'audio recording' of the original "contract consideration" with their broker Motormart Limited t/a CarFinance 247 - which evidenced that the agent for CF247 blatantly misrepresented the agreement payment schedule at the start. CF247 would circumvent the S.A.R. in this regard. Also Their broker providing them with a false invoice, claiming the disputed vehicle was purchased from them (CF247), when it was purchased evidently from a fourth party. I since established this.. ahem.. inaccuracy related to the vehicle 'Title'. - when subsequently proved as false, they changed their story, - and on their way crashing down incredibly (tried) to blame the reason for their fraud on me, the customer. - when it was them who contrived the same, during the original Financial Ombudsman Service complaint. Their senior litigation manager also ripping out court document that supported my case, and proved their culpability - stating "this case is for return of our vehicle"; - not a legally recognized mechanism, notably my "counterclaim". Truly this company is waaay to desperate for your money, or you liability; and if you stick up for yourself the mask WILL come off! The FOS were not much help in this regard, either; as they clearly failed in their investigations (AS ABOVE); and were disinterested in the truth or the relevance of the truth, thereafter.