*goes off to have an entertaining morning read*
EDIT - I've moved it to the Motors archive because it's a classic -
https://forums.overclockers.co.uk/threads/pics-of-my-new-car.18019506/
You laugh, but I almost got caught out in the same trap as that poor kid. I was 21-22 at the time, fresh in the UK and had no credit history. I wanted a new car so I approached ACF (approved car finance) who said they'd be able to help me out. I spoke to them over the phone, the guy asked what I wanted and I said something like a BMW 318CI. He said that shouldn't be a problem and I should come by. Being stupid, young and not knowing what I was getting myself in to, I went along all naive looking forward to getting a new car. I arrived (I had a Corsa at the time) and outside stood a BMW 318CI. I thought great, they must've brought it out for me to have a look at and a test drive. Before I even shut my own car's door I was approached by a chap with a clipboard. I asked him about the BMW and he said it was his, but they have other stock inside. He walked around the Corsa making notes of every little scratch and whatnot. He then took my drivers' license, proof of address and took me in to their showroom (this should've been a flag but I was so overcome by excitement that I just let it roll, silly me). He said I could browse the cars and he'd be back in a minute. The cars in the showroom were all bottom of the barrel rubbish. Funny enough the only one I was even remotely interested in was a Clio, also a 1.2. Can't remember the trim level. I took a closer look, it had hubcaps and
keep-fit windows!. The guy came back and offered me a deal. I could buy the Clio for £6k and pay it off over 5 years. He offered me £150 part-ex for my Corsa. I quickly crunched some numbers and calculated that the Clio would cost £12k over the whole term. I managed to see the light and turned them down. I requested my documents back and wanted to leave. The chap says ok he'll go get them.
A few minutes later another chap comes downstairs sans documents, and starts offering me more aggressive deals. Already fed up with all the red flags I just wanted to get out of there but this guy wouldn't let go. It took another 4-5 attempts from him and me saying no before I threatened to call the cops, at which point he finally went to get my documents and gave them to me.
Quite a learning experience that was. Here I was thinking that I'd be fairly safe from this kind of practice only to find that it's absolutely rife with it. That GOD I learned the way I did otherwise who knows where I'd be today.