Everything! They keep the V5 so you can't sell it easily and you won't get it for a year! The small print says the vans can be pre-registered mine turned up late from a muddy airfield with manufacturers stickers all over it! As for the finance don't try and settle early you will be charged for the full term including interest less a small discount (2%) They don't mention this important detail, but it's hidden in the small print. There is something very suspicious of the way they arrange finance and sell it, mine for HP via BNP Paribas - for which I've no doubt they get a commission. I believe their credit licence should be revoked and I am making such representations to the relevant authorities.