XPower bargains UK November 2025

[olliewebb]

I tried this but the dealer screwed me over. Turns out my PCP isn't actually a PCP, it's a fixed term, fixed price with a GFV. Sounds like a PCP to me but apparently Santander don't agree!
I have the option of buying the X-Power in cash outright but the answers above about residuals are a fair point. I'm thinking with my right foot, not my brain really!

What is the product then? PCH? Was that clear when you signed up? If not you might have a case for being miss-sold.

There is more than one MG dealer in Lincolnshire, and my experience of Lincoln is that their service dept is okay, but their sales are a bit dodgy. Last time I went into their showroom I was amazed at how high their prices were compared to other dealers online.

 

[Biccys]

What is the product then? PCH? Was that clear when you signed up? If not you might have a case for being miss-sold.

There is more than one MG dealer in Lincolnshire, and my experience of Lincoln is that their service dept is okay, but their sales are a bit dodgy. Last time I went into their showroom I was amazed at how high their prices were compared to other dealers online.

It's a fixed term fixed price PCP. I know, I've never heard of it, nor had the new dealers in Lincoln! The old one, Charles Warner, went under. It's my hypothesis that the then salesman didn't submit my signed contract to Santander and when I came to collect the car, he said they wouldn't honour it. I argued the toss that I had signed it so it was legally binding but he wouldn't budge, and as the interest rates had obviously got higher, he threw in mats & a boot liner to make up the extra that I was paying. Only about £200 over the 4 years, but still annoying. And I have no proof of that, just my working hypothesis! I can not VT. Satander (sic!) have confirmed it and it's on my paperwork. New Lincoln dealer has the car in stock for 25,250 cash.

 

[olliewebb]

It's a fixed term fixed price PCP.

You've just described all PCP deals.

What you've described I would've walked away from.

 

[Biccys]

You've just described all PCP deals.

What you've described I would've walked away from.

I'm aware! The finance guy in Lincoln hadn't seen one without a vt clause either. The benefit of hindsight!
Just been in and I'll not be changing. The extra 5k discount is if the finance was taken, and I've no immediate desire to give Satander any more money and they didn't know whether the finance would be accepted as I've got the original deal until march still.
I'll just pay the GFV and move on with my life I think.