As everyone has rightly said - you are for some reason trying to save a penny by spending several thousands. Explore VTA and get a bicycle if money is the problem, else, suck it up and enjoy your prestigious marque.It was an Audi used car on PCP, which I have had confirmed by their service and sales team this morning, it is a recommendation at the moment. In terms of the condition of the car and maintenance up until this point, it's pristine, so I don't want people having some sloppy impression of me. Alternatively after speaking with the sales manager at a local Audi branch, we are looking into a trade in, with a new vehicle which would include branch deposit contribution etc, so the figures, in theory could be more attractive. We shall see.
But PCH is totally out of the question now.
'Lump and bumping' negative equity into a new finance deal is how the rich get richer and you get poorer. Do the TCO as I suggested.