I really wouldn’t sweat it, the gross amounts being charged on SS schemes are not usually competitive with what you can get privately. The only reason they work is because of the tax savings.I'm kinda intrigued with how it will pan out on the e208 I'm getting. My salary sacrifice is set at doing 15000 miles a year. After 3 years and 45000 miles I bet the car won't be worth much at all.
At the point I assume they will either take it back and feel the sting when they auction it. Or they will maybe ask me if I want to keep it at a cheaper monthly cost?
If it was possible (and the car had been reliable) I'd almost be tempted to just buy it from them at the end if the price was rock bottom.
There is plenty of margin built into these schemes because they are not competing with a level playing field.
The net cost of our Y was cheaper than leasing/PCP privately but it wasn’t that much cheaper, most of my tax saving formed part of their profit.
They also can’t have their cake and eat it. When the leasing companies were taking back vehicles in 2021 and selling them on for more than they paid after someone gave them half its value over 3 years to rent it, it’s not like they gave anyone a refund.
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