I had suspected as much, so what do I do indicate I want credit until the end then settle with a 100% deposit?

If you've already told them you're paying cash, they've probably lost interest - they make far more money on finance than they do on the car - sometimes even losing money on the car.

Cash iSN'T king when buying from a dealer !

Couldn't agree more, when we looked a Giulietta recently, they weren't interested once we pointed out I considered PCP to be ridiculously unreasonable and that the 13.9% was not very competitive for HP. He literally said "In that case, after trade in you owe us eleven and a half grand, take it or leave it."

We walked.

Good tips thanks

Thanks

I currently have an Audi A3 and have owned 4 other Audi/VW's it may be sad but I like them and they do retain their value better than most.

I think the dealerships think they are top of the tree and sometimes behave with an arrogance I cannot believe

My problem is I just don’t want anything else, maybe I should buy private

I find VW and Audi dealers all the same, Audi perhaps more arrogant but VW run them close. Skoda miles better.

You can get £4,700 off a 2.0 petrol or diesel Scirocco from drive the deal and all they do is put you in touch with a dealer who wants the sale. You pay a £500 deposit to the dealer not drive the deal. It might mean waiting for a factory order if you spec a few options but they might have access to stock cars. Either way you don't end up giving your business to a lazy dealer and you get a deal you're unlikely to get yourself.

I tried the guide and Southampton, South east and South west returned zero for used cars for VW, I guess that tells me something

I thought I would test my theory and contacted my local dealer via Instant messaging on their web site asking about HP, and LO’ a flurry of messages followed by a quote 14.8% apr which amounted to 3K+ on 12.5K and (+5K deposit x 36months).
I said I thought 15% was a bit steep and was told I got free 2 year servicing, to me this is 1 service £300?
I could borrow the same money at 5% with a cost of 1K, saving £2,000 – not a small amount!

The point is that £12,500 is the same wherever you get it, there is no good or bad 12,500

I have also considered PCP ‘to get a better deal’ but you still pay interest, the only benefit is that you don’t have a lump up front to pay-out and you should be able to get more than the £9.8(sirocco 210tsi) residual amount if you choose to buy after 3 years.
The dealers seem to have mostly 3 year old cars which presumably are from old PCP’s where the car was just handed back which means the dealer paid in the region of 10K
I have not seen one on the forecourt for £10K, more likely 15/16 which means they are making 6/7 K and if they finance it, another 3K very nice. £9 or £9 thousand pounds for no effort and treating customers like dogs, very nice thank you,
And what about acceptance fees and option to purchase fees! Bol*ks

I go into a shop and buy a paper for one pound fifty pence and I get a hello, a chat, directions and advice if I need them, go to a garage and what do you get expensive nothing!!

not that I am wound up or anything you understand