I almost fell for one of these companies years ago. I made a few stupid decisions in my early 20s which decimated my credit score, so I couldn't get car finance. Eventually a company called ACF calls up, say they can guarantee me a loan on a car and they've got cars in stock. Fair enough, go for a drive down, guy comes out and starts evaluating my Corsa for PX value and takes us inside. Stupidly he took my passport and driver's licence so the guys upstairs could start processing the finance application. He points us at a Daewoo something or other and a Clio 1.2, these are the two cars we can choose from. Both had keep-fit windows and not a single optional extra, I think the Daewoo only had power steering too. Really bottom of the barrel stuff. They wanted £12k for each of them and after crunching some numbers, they came out at £27k for the total price for the cars. We told them no, they got really pushy and tried to force us to buy something, still said no (staying polite) and eventually he said he'll go get my documents and we'll be on our way. A few minutes later the "manager" appears and starts making his push. Again I politely refuse which resulted in him simply pushing harder. Eventually I pushed him out the way, walked in to their office upstairs (which looked like it was set up in the few minutes prior to us getting there) much to his dismay, there were another two chaps sat upstairs, one with his feet on his desk and the other playing Minecraft who both looked as though I was a fraud inspector who just walked in. I grabbed my documents off the desk when one of them said "you can't just take those, they haven't been released yet". I told him to try and stop me and walked out. These guys were complete cowboys just looking to prey on those who are already in a difficult spot. How they get away with it is beyond me, I've never wanted to knock someone's lights out as much as I did then.
