Car Finance Challenge! £250, £500 & £750 a Month | Ep 70 | Drive Torque Podcast

I'll start, if you want. Pat, do you want to start? I'll start, all right.

He is now! He is now!

How's it going, guys? Welcome back to the Drivetalk podcast, episode 70, I believe.

70, it is. I can't believe the last episode we missed out all the jokes on 69. I can't believe that.

Ah, yes. Or we could get something in this one and backdate them.

While we're talking about that, I think we are about 350 subscribers away from 10,000 subscribers on YouTube

and about 450 followers away from 10,000 followers or friends on Instagram.

So if you're not subscribed and you don't follow us on Instagram, then please do.

We also have a Facebook page, which is now outshining both of those with over 15,000 friends, followers.

Is it really 15,000?

15,000. We started that less than a year ago, so Facebook is going really well.

Hey, Joe, can we not just buy some followers?

We could do. Yeah, I mean, it seems like the way forward at the moment is just by fakery.

There is a whole, I think we need to, there's another podcast talking about the state of all industries and fake numbers.

I think we'll leave it until that episode.

Yeah. Yeah, we don't want to get you talking about that, mate, because this episode will be about four hours long.

How's it going, guys?

So, yeah, good. Do you know what I'm most excited about in this episode?

It's finding out AmiGate. Where are we? Where's the next thing?

So we're going to have a chat with Pat about the Ami and get the latest details on that.

We're going to have a chat about Monterey Car Week, but also in this episode,

we have set ourselves another car finding challenge based on the affordability of new cars.

And we've given ourselves three different monthly budgets for a car finance plan.

And let's see what we've come up with.

It was £250 a month, £500 a month, and then was it £750, I think?

Yeah, yeah.

Yeah, and that was all based on a theoretical, you know, six to ten thousand miles PCP and a 10% deposit.

So, you know, the standard like you see in the windows when you go shopping for cars or you're looking for cars.

So I'm very much looking forward to seeing because I'm feeling going to lose this one.

I might have won the last challenge with my Lotus Electra,

but I think I might lose this one.

I don't know, you might be able to get a Lotus Electra at £750 a month.

Can you on a PCP these days?

I know, yeah, maybe less than that.

Maybe it could be in the £250 a month one.

Can't give them away.

So come on, Pat, we need to know about the Ami.

Should we do a quick recap in case anyone's tuning in for the first time on their Ami gate?

Give us a very brief potted history about your Citroen Ami.

What is it? When did you buy it?

And why is it an issue?

Talking of cheap PCPs and can't give them away.

I bought a Citroen Ami because they couldn't give them away.

They did a PCP deal on them where, for me at least, it was £0 down as a deposit on a PCP

and £62.78 a month.

And I thought that was the best thing that ever happened to me.

And so far, it's actually been away for longer that I've owned it.

How many days have you actually had it parked downstairs?

It was delivered almost exactly a month ago.

If I actually go, look, it was delivered on the 16th of July.

And I send them an email with about issues exactly a month today.

It got collected, I think, on the Monday of the next week, or at least the next week.

And yeah, I haven't got it back yet.

See, it had it like three days or something.

Yeah, I probably had it like, I'd say I was in there, but like about a week.

And it's been away for three weeks.

So what was wrong with it, mate?

Was it a bit, you know, a bit pony?

It arrived rusty and looking three years old because it turns out, as we found out,

that it was three years old.

It'd been sat at a port in Sheerness, which I should correct as in Kent, not in Essex.

For some reason, I just assumed it was in Essex, but no, it's in Kent.

Yeah, the car turned up seven miles on the clock, but rusty bolts,

rusty wheels, damaged wheels as well.

Just in bad condition, you know, bird poo all over the vehicle.

And as a new car experience, obviously, I've got a brand new car registered

to me as first owner, seven miles on the clock.

It just wasn't the expectation that I had for a new car experience

and kind of irrelevant of the price point of the car because it was really cheap.

It was, you know, circa four thousand five hundred pound

RRP, as it were, on this on this finance deal.

I was still kind of a bit disappointed.

And so my principal back to Citroen was simply present the car back to me

as if it's brand new.

I don't care how you get there.

Here are a list of my concerns and issues and just bring it back to me brand new.

I thought that was quite an easy ask.

It's two window bolts.

I could just go by it being Q four wheels that are probably 30 quid each.

Right. They're just steel wheels. They're nothing special.

Some new tires, which should have come on the car anyway.

I mean, as we discussed before, kind of slightly flat.

I think they're under inflated by eight PSI sat for three years.

Indirect sunlight is not how you store tires.

It's not the way that the tire should be preserved and presented.

And obviously that becomes then a real safety concern as well.

And also for the car to just come back clean and look lovely.

Sounds like a big ass.

That I mean, what do you reckon, Joe?

Buying a new car and wanting it to, I don't know, be delivered like a new car.

Yeah, it's a bit of a liberty take.

Really?

Mate, I don't know.

I can't believe what a terrible customer you are.

So talking of customers, customer service has now been enacted.

I've got to a customer service specialist.

So away from the AMI team themselves.

And I think the last time we had an update was that they had kind of said

that they will fix all these issues and we wait to hear back and receive the car back.

Since then, a few of the issues, they've kind of tried to avoid fixing.

And I don't know if it's because I'm just a persistent customer,

obviously because I made them aware of the podcast that we've done.

Or like why my issues have been now escalated and will hopefully be almost fully resolved.

But the biggest thing that they kind of not refuse to but were avoiding fixing

was the rusty breakups.

And so that obviously then protrudes through the front wheels.

And so as much as they replaced the wheels and tires,

and they replaced the bolts in the windows,

the photos they sent back to me,

the second or third time of saying the car was done,

was that you could still see this rust through the front center of the wheels.

And so my point was, I understand that maybe, and Joe,

you can speak on your BMW experience here.

I appreciate that might not affect performance,

but it still doesn't look like a brand new vehicle.

Like brand new vehicles should not be or even nearly new vehicles

should not be delivered with visible rust.

If they go rusty after six months because of where I live

or because of the terrible materials, it is what it is, right?

That's just a reflection of the product.

But or your environment.

But like for it to, again, for you to, for Citroen to be happy

to present a car looking brand new, but with visible rust.

Because I think this, yeah, I think it was two or three times

they sent me photos and said, your car is done.

Are you happy with it?

Like we can send it back to you.

And both times I had to say no,

the first time they hadn't changed the window bolts,

which I feel like was like the most obvious orange bit of rust on the car.

The second time they hadn't replaced those front hubs.

I've since had a kind of an off the record on the record phone call

with Citroen where the woman explained to me

that she was obviously could understand

and was also displeased about the condition of the vehicle

and that to give her some extra time

to then fix the final issues,

which for me was the the backlight on the screen

and for the brake hubs.

They've since agreed and they ordering in

as we record this tomorrow, the brake new brake hub should be fitted

and so that rust would then be absolved, we would hope.

However, the final point on this is the screen.

So I can overlay a picture of the screen.

It differs in different lights,

but the main thesis of this is that on the left hand side,

the screen is very bright as it should be

and it shows the battery kind of level and the range.

And the further you go to the right

where it's got the drive neutral reverse

and it has obviously part of the speedo is dimmer,

like noticeably dimmer,

particularly at night when obviously that contrast

you would see on a screen like that would be most prevalent.

And so for me, my argument is the screen's broken.

One side is less dim than the other,

whether that's been stuck in the sun

because it's been at a port for a few years

or whether the screen was just produced broken.

I don't know, that's not really the point.

It's that I've got a screen that is dimmer

on one side than the other.

Now Citroen and the AMI team have gone to the port

and looked through all the other cars in the port

and they said this is a common feature

is their exact language.

A common feature that the right-hand side of the screen

is dimmer than the left-hand side.

And so for that reason, they won't replace it or fix it.

That's it.

Was that an optional feature or was that that comes standard?

Yeah, I don't remember ticking that box.

Can I have a defective screen?

Yeah, that sounds like a great feature.

I'll have one of them.

Be as the best that so after all of this,

after many back and forths

and a lot of turn through with them

to kind of hammer home my point,

the one thing they won't replace is the screen.

And I get it again from an internal understanding

how these businesses work

and how hard it would be to replace that screen,

I get it.

But from how they should represent their brand

and deliver a new vehicle.

If every one of the screens looks like that,

they're all broken.

That's called a recall.

That's not called a feature.

They should all be sent back

and they should all have new screens.

It shouldn't just be called a feature.

Pat, you're being very generous saying I get it

because I don't.

It's a new car.

No, no, I, yeah.

No, I don't care whether it's a seven grand car

or a 70 grand car.

The screen's not working properly.

It's wrong.

I don't know if anyone from Citroen

is watching this, by the way,

please get in touch and explain

how you can possibly call that a feature.

And I think at one point

they said the rusty wheel hubs were a feature.

Yeah, they tried to wiggle out of

even in the heyday of Italian cars

rusting if like a drop of water fell on them

back in the day,

when Italy's government bought a whole bunch

of cheap steel from Russia

in exchange for debt

and that basically nearly bought

Fiat to McGrath.

Even those cars were still delivered

without rust on them on day one.

They might have had rust on them

a couple of weeks later,

but on day one,

you don't expect to have rust on your car.

Anyway.

Yeah.

Well, Joe, you can speak about this

because was it your first

or one of your very first

BMW forum post was about rusty hubs, right?

Yeah, so I know BMW

and I'm sure a number of other manufacturers

have been through similar issues,

but back in like 2005, 2006, seven,

a lot of the E and F generation BMWs

all came with rusty or delivered

with rusty wheel hubs.

And the wheel hub that you see

on the majority of modern cars

is actually the is usually part

of the actual disc assembly.

So you see the hub part

of where the disc bolts on.

And for whatever reason, back then,

they just didn't cover that

out that sort of exposed metal.

And it was, I guess,

it's like strength and steel,

whatever it is for a disc

in any kind of paint

or anti-corrosive stuff.

So it would rust very quickly.

Obviously, especially after you've used

like, you know,

whatever kind of chemicals

on your wheels to clean them

because you use stronger

wheel cleaning stuff, right?

And I had like my 130i,

which at the time I brought it

as an approved car,

so it was four or five months old.

But when I picked up from the dealership,

they were like so rusty, the hubs.

And I spoke to the dealer at the time

and they're like, oh, yeah, okay.

Well, we can't do anything now,

but speak to BMW.

And it was a bit like your story

back and forth.

And then after doing stuff,

putting stuff on baby BMW forum,

I soon discovered

that it was a nationwide issue.

And all it wasn't just the one series.

It was a three series and maybe the five.

Any of the cars that use that disk, especially.

And BMW's answer was,

and I've probably got an email somewhere,

but their customer service at the time was,

the reason it was particularly bad on my 130i

was because of the alloy wheels

that that car had,

because they exposed,

because they're quite minimal

and they're really nice looking wheels.

Obviously, they weren't like a blocky alloy.

They're quite open.

So they allowed,

they allowed you to see more inside of the wheel hub.

And that's why it looked particularly bad on my car.

Not the fact that the hubs were really rusty and orange.

The fact that I've got the most expensive one series

with the nicest wheels,

but they showed off the rust.

They showed off that feature.

So yeah, it's definitely an issue

that has been around for a long time.

But I think.

Have they ever heard of Hammerite?

Well, they did the last thing they said to me,

and I think the last email they said was,

you could take it down to your local dealer

and they would paint your wheel hubs

free of charge,

but you had to pay for the paint,

which I think at the time,

nearly 20 years ago,

was about 250 quid.

So I could pay a dealer

to paint my hubs for 250 quid,

which is probably £500 in today's world.

I mean, it's just, you couldn't make it up.

But I think the situation thing,

it's interesting because

if it was like,

if you'd bought that from like Toys R Us or something,

or like, let's say,

if we knew it was a toy

that was that you could use legally as an Ami,

we probably wouldn't be sitting here

as aggressively talking about it

over three or four podcasts.

But I think the fact that it's got a sitch and badge on it,

and I've seen someone's comment recently

on the most recent Ami Update podcast,

someone said, well, seriously guys,

or Patrick, what do you expect?

It's a five, you didn't buy it from a dealer,

it's a five grand car, blah, blah.

But as we've all said,

that doesn't matter,

it's being sold to you as a brand new product

from a manufacturer.

And I'm sorry,

if you're going to put your name behind a product,

that is probably,

I don't know where it's assembled,

but of course it's not going to be up to the same level

as a Citroen real car.

Sorry, Pat.

But you're putting a name on it

and you're selling it as a new product.

So that's your problem.

You know, it's not my problem or Pat's problem.

And I think that's what it all stems down to is,

yeah, it's a bargain.

And we started off by saying that

before you picked out what a bargain it is.

My God, I wanted one.

We all wanted one.

Do we want one now?

Probably not.

And I think we all know what manufacturers traditionally do

when they have a glut of cars they can't sell

that are beyond the traditional time frames

of delivering a new car.

So you just pre-register them.

You just pre-register them

and you give them out to dealerships

or they go out into the network somewhere

or they end up at auctions.

And then you just have a few Amis out there

with zero miles on them or five miles on them

that are all going for slightly below list.

But what a great deal

because you're getting it for seven

when it's worth eight, you know, with 12 months later.

But clearly, and I know I've spoken to a few brands

and I won't mention their names,

a quite a few brands like holding back

models of their vehicles that haven't been sold new

that may have already been imported into the country

because the problem they have is obviously

if you put a glut of cars onto the market

and the demand isn't there, the price drops

because everybody's trying to sell their car.

And I'm sure you'll see this with Amis now.

When I bought my Amis for four and a half thousand new,

people are selling used Amis two, three years old

for four and a half to five thousand pounds

because they're an eight thousand pound car.

So that's about where the market was.

And now it's like my guaranteed final value is three and a half grand.

And so why would I buy a three year old one

when I've got a brand new one for them?

So the whole market's going to have to drop to reflect that.

And I have recently seen that Amis are actually now sold out.

So this glut of cars that they clearly had left over

are now sold out.

They're done.

Citroen have done the right thing in terms of

they have extended this PDI as I understand it.

And they've actually sent emails to everybody

because I'm going to, I mean, now and then Amis Club

is going on Facebook.

And so I'm not the only person that's arrived

with rusty wheels, rusty bolts and had issues with them,

which is good to see that I'm not just a lone case

on my side.

But also the vehicles, people that are ordering them

that ordered them in July at the same time as me

are having emails saying that their car is delayed

four to eight weeks because they're going through

extensive checks.

I would hope that they're replacing rusty parts up front

so people get cars delivered correctly.

I know other people had issues we discussed before

with belts as well and that they're getting

tensioned or replaced or inspected at least.

And so Citroen clearly have taken this seriously

on that side that they are now addressing

those issues up front so people get cars delivered

new that look new.

But yeah, like I said, from the start, they were

very like, oh yeah, of course, we'll happily fix

those or look at those issues.

And then the more and more I got down the line,

the more and more invasive they have got

about fixing what are obviously, if you were to

list the items from most expensive to cheapest

or easiest to hardest to replace,

they really start arguing the further down

the list you go.

And like I said, my whole thing from the

beginning, and I've been very transparent about

the podcast and the fact that we're just

going to say what happens here because

we can only be generalistic in this.

We can only tell the truth.

I just want a new car delivered.

And if that is going to take you three weeks

and me to waste a lot of time arguing with you,

well, so be it.

But at the end of the day, it won't be my brand

and image that's reflecting negatively

and this is yours and you get to choose.

They actually did offer the car back to me

before the break hubs and the screen

because like I said, a few times they sent

me photos and said, the car's ready.

I actually accepted the car back.

I just said, yeah, sure, just send it back.

I can't bother with all this back and forth.

It's not, it's an AMI, it's 60 quid a month.

It doesn't, I know it doesn't affect performance.

It doesn't matter that much.

Give it back.

I'll just update the podcast and let them know.

And that's when I got a phone call from the person

who worked for the customer service team.

And she said, give me another 48 hours.

That was two weeks, not last week the week before.

So we're like eight days or something ago.

And although I know the work is apparently

being completed tomorrow,

obviously then the car needs to get back to me.

So hopefully by the end of this week,

I have it back, but they were then,

it was now on them to be proactive.

But they seem to avoid the screen question

until I asked them again.

And we said, no, the screen is definitely

a common feature across all of them.

You're cutting out.

Pass internet's going.

Your internet's died.

Well, it's going to be interesting to see his story.

And I mean, I'll just carry this on by saying that,

a guy called Mark Tiff,

who runs a YouTube channel called Real World Plumbing,

he's been throughout, he's a fan of the pod.

He came to our live Gaffrey and Machine that time.

So he actually was one of the guys that

bought a AMI off the back of our initial video, obviously.

But then I, as soon as I had the bad news,

I updated him and he was like,

no, he said it doesn't matter even though

it's going to come with issues.

Because as an advertising tool for him and his business,

he said it's worth its weight in gold,

covering it, not PPFing, wrapping it in cool running.

But it'd be interesting to...

Well, firstly, I've said to Mark,

it'd be great to get him on the pod one day

and just talk about his world,

because it's such a different world to what we're in

and YouTube and stuff.

But also, it would be great to get an update

on how his car was delivered.

And if he ends up going through

similar sort of issues as Patrick.

But yeah, so hopefully not too many others

went out and bought one off the back of the initial video.

I would be all right.

There's five, six, two to a month.

Well, it looks like Pat's like falling off the end of the earth.

Look, we can carry on.

Have you got a horrible still what came on your screen?

Yeah, it doesn't look, it's not very...

Oh, he's gone.

Oh, no, he's back again.

Oh, he came back.

Oh, well.

Well, the next thing we're going to talk about

was Monterey car week.

Yes.

Because it's done it again.

And I was talking before we started recording.

Every year, I always think,

I'd love to go to Monterey car week

and then totally forget about it.

And then you just start seeing other

kind of creators out there and post comments doing like,

oh, I've missed it again.

And I think it's one of those events.

I know we talked to Pat about it last year on the pod.

Very much one of those events.

I think you need to go with someone who's been before

or with a brand that's going to kind of take you

to all the different places and stuff.

Because it seems massive, doesn't it?

There's always different areas.

Yeah.

And it's one of those things where there's

lots of cool things happening.

But I think you kind of need to know

where the cool things are happening and when.

So otherwise, you just...

I'd be in the area and I'd miss everything.

I'd be sat in the hotel room and wouldn't see anything.

Yeah.

But yeah, with that, there's been some cool cars.

You quite like the Gordon Murray.

I can't believe they're doing a back date of a McLaren F1, basically.

I mean, a lot of the super high-end ridiculous stuff

doesn't really interest me.

I can appreciate it, but it doesn't interest me

because I know I'll never be able to afford it.

And it's just so expensive that even if I could afford it,

you know, would I go out and drive it hard or...

But there's a few...

You know, there are some diamonds in the rough,

if you like.

Does that make sense?

Probably not.

Like that, that when I saw it, I mean, it's just...

It is in a modern interpretation of the F1, isn't it?

And it's just...

Yeah.

It's beautiful and it looks...

It's just the perfect...

Everything about it and it's no surprise

because it's the same guy.

You know, it's Gordon Murray, what, 25 years on?

Or 27 years on?

30 years on?

Whatever it's been.

I mean, that I would have that in an heartbeat.

But I wouldn't because they made five

and they were all commissioned for one customer, I think.

Like it's like a special operations, right?

Yeah, the thing is though, right, you look at it and you go,

well, for me, the McLaren F1 is perfect anyway.

I just think I've always...

It's always been my favourite car ever made.

That and the F40 probably.

But I think the McLaren F1, there's something about it.

So you take what already is a fairly perfect car

and then make it even more lovely

is quite a special thing.

And could probably only have been done by Gordon Murray.

Yes, yeah.

But yeah, no, very, very cool.

Yeah, it does make you just feel really poor.

It does, yeah.

But it's...

I think we need to get out there at some point

because it seems looking again on the internet at people there.

Like you said, as long as you've got someone

that can point you in the right direction

and give you the like, you need to be here

at three o'clock on Wednesday or whatever.

Everything seems quite accessible.

Apart from like, I know Pat was dying

to talk about his quail cap that he's got on.

I'm sure there's certain areas and places

you can't get into.

But just those morning drives that I know Pat and Roger Chan

went on like, on that sort of peninsula bit.

I mean, that to me would just be, you know,

park up and just watch that traffic come through

and the ridiculous cars in that beautiful setting.

And yeah, it's...

I know Roger Chan's over there at the moment.

He is, yeah.

It would be one of those events though.

I'd love to go to, but I'd actually,

I'd like to go there and just not make any content

and just go and enjoy it.

Yes.

You know, if you go, you know,

you only go to some of these events

and you know you've got to make content.

It almost distracts from making content.

I mean, boxing gas was a classic example.

I had a plan to do like a vlog of boxing gas.

Yeah.

And I got in my car to drive home

and I'd been in my car about 10 minutes

and suddenly realized I forgot to film it.

I never took the camera out the car.

I was like, oh man, I was having too much of a good time.

Yeah.

And then they had the other, the other nuts car

is that Ferrari SP3.

It was like black and yellow livery

and the black and the yellow meet down the spine of the car

and say Ferrari.

And that auctioned off for charity

for like $26 million or something.

Wow.

Just unreal.

It was all for charity, charity.

Yeah, yeah.

But yeah, even so, that's a,

that's a lot of wedge.

There is a lot of wedge.

Yeah.

I didn't, I didn't, I didn't contribute or bid on that one.

Unfortunately.

Did you not bid on that one?

No.

I thought about it, but yeah.

Ad revenue.

I mean, I didn't, oh, don't talk to me about ad revenue.

Ad revenue at the moment.

Oh my God.

YouTube, honestly, and I'm not exaggerating

and I don't expect people to get their violins out.

But in the past 12 months,

YouTube ad revenue for the same amount of views

and timed hours watched has absolutely collapsed.

I reckon it's not even,

it's about a third of what it was 12 months ago.

Yeah, yeah.

Yeah.

Same.

And everyone I speak to,

like I was talking to Raz about it,

anyone in our space is just like,

what has happened to YouTube?

It has absolutely died.

And it's quite scary.

And also videos, they just,

a lot of the videos I put out

and they'll start off quite strong and then just stop.

And I know that's been a case for a while

with a lot of YouTube stuff, but it's just,

I don't know, it's getting a little bit,

yeah, I wouldn't, I'd be lying if I didn't say,

I'm a little bit worried about it because it's,

yeah, there was a time where you could just

about survive on ad revenue, but not anymore.

It's, yeah.

And that's why we're grateful to have Micheliners,

I know we haven't mentioned them yet,

but people like Micheliners as channel sponsors and

because you just need it now.

There's no other way of surviving.

And Facebook revenue is the same.

That's probably worse, I think.

Facebook revenue for me,

yeah.

Similar amount of views.

If it's probably down,

I'm getting, this may be,

I'm getting 10 to 15% of what I was 12 months ago.

Yes.

I mean, the amount of money,

the money comes into my bank account

and I'm like, what's that for?

And then you go, oh, it's Facebook.

Wow, there's a zero missing off the end.

No, that's Facebook.

Yeah, it's like, oh, I just refunded something that,

if I just sent, if I returned something,

it was really not worth returning.

Oh no, that was my Facebook income for the last month.

Yeah, yeah.

And I think that's,

I know this isn't the subject of the podcast,

but I've done a few kind of ad integrations recently

or talked about other ad integrations on the channel

and people moan, always bloody advert.

I had a video go out last week,

it was a paid promotion for a dashcam company.

Oh, it's bloody longest advert ever.

Yeah, and you watched it for free

and that's, that is how,

how I'm able to make these videos.

Otherwise I can't do it.

I can't just, you know,

it's not like the old days

where you could just have ad revenue.

You have to have placed ads and integrations

and sponsored videos every now and again

and great brand partners that can work with.

Otherwise it just doesn't work

and we're not all as lucky as Matt Armstrong,

who's just watched his latest video this morning.

Yeah, same.

He's done, it's not even been out 12 hours,

he's done nearly two million views.

I'm like, oh my God.

I know.

And it was brilliant, obviously anyway.

He had about five integrations in that, actually.

Yeah, yeah, he was here.

There was various, including,

unfortunately, one of those, what do you call them?

The reason, are the car ambulance chases?

Yeah, I'm sorry, but yeah.

He doesn't need that in his video.

No, he doesn't.

That's, yeah, that's a bit, not great, seeing that.

But anyway, anyway.

Don't get me on my subject.

So, here's the segue.

Instead of talking about earning money,

shall we talk about how you can spend some money?

Yay.

So, the PCP finance challenge.

Yeah.

I might have bent the rules a little bit on this one.

Oh no, here we go.

Excuses are ready.

No, I've just, but it was part of the conversation.

Are we going to go low first?

Yeah, we'll go low first.

I haven't minored around about those figures.

You know, we're giving some, they're not,

they're not obviously trying to find something

for exactly 250 a month or whatever it is.

So, I've kind of got a low, a medium, and a high.

Yeah.

It's a shame that Pat, yeah, we have,

we've basically, Pat's just messaged me in a,

or messaged us in the chat to say that,

well, he's not, he's no longer part of this podcast,

which is,

Oh, we can't come back on it, I suppose, can he?

No.

So, so we're not going to get to here, Pat's,

but we've, I've got a few, you've got a few.

Essentially, we, I know we've had a lot of doom and gloom

on the podcast over the past couple of years,

talking about, yeah, just cars costing an arm and a leg,

which they do depreciation.

That's something we're going to focus on in the next podcast,

but not depreciation, something different to depreciation.

But we thought, let's, let's try and be a bit upbeat on this podcast

and talk about something positive.

And in fact, when I was researching it last night and this morning,

Lou was like, so what are you talking about in the podcast?

I was like, oh, we're going to talk about like good finance deals.

And she was like, yay, positive.

So, so, but, but yeah, there are some, there are some deals to be had

and it's not all doom and gloom.

And so, yeah, so we've, we've set ourselves some, some monthly costs

with a 10% deposit, which is about average for normal finance.

And yeah, let's see, as, as always,

Pat and I have got no idea what we've chosen

because we've not told each other because it's all part of,

well, the enjoyment for our own sake, I guess, as well.

So, Ped, do you want to start with, with your one?

Well, yes, I've got, so I, I've got a car for the first one.

I've got two different options of buying that car,

both on a monthly basis,

which I thought would be interesting to kind of talk about.

Yeah. Oh, and first up, it's, it is an electric car.

Yes.

But I think it's the coolest electric car that you can currently buy.

Okay.

So, let me put it into the, into the chat box for you.

So, I have looked at some ways to finance a Renault 5.

Okay.

And the first one, I've gone on to Carwow,

because they do like a, a, a checker.

Yeah.

Now, the challenge with the Renault 5 is,

there is a fairly big range of price from like low 20s

to about 30 grand depending on the size of battery

and trim and all that kind of stuff.

Yep.

But the one I've looked at is the, is 23,000 pound car.

So, it is the smaller battery, I think.

Yep.

But it works out at 224 pounds a month.

Well, it doesn't with 10% deposit, Ped.

This is the thing I wanted to talk about, right?

Is, there's a couple of things.

So, it's not a 10% deposit.

It's more like a, well, it's 4,200 pound deposit.

So, it's nearly 20% deposit.

I didn't think a 4 grand deposit was actually that horrible.

Yep.

I thought the APR at 5.9% was pretty good.

Yep.

And then an optional final payment of just shy of 11,000 quid.

Yep.

So, you are paying on a 23,000 pound car.

What are we talking there?

An amount of credit and 23 and a half grand, I suppose.

Yep.

So, I looked at that and went, okay, well, it gets you into the car for 20,

or 225 pounds a month.

If you went a higher spec, there's also a grant on there as well,

because there's now this new EV grant

that you can claim back on some cars, isn't there?

Which we talked about on the pod a few weeks ago.

Yep.

The other option is, and let me put this one in, same car,

but now, instead of a PCP,

I thought, what about looking at a lease deal?

Now, I don't, I must admit, I don't, the lease deal,

is that business only, or is that?

No, this is a personal lease.

Yeah.

Okay.

So, really cool green, Renault 5.

Now, this came out at just over 200 pounds a month.

But a lease deal, what happens at the end of it?

You have to buy it.

It's not your car.

You give the car back.

Basically, but then, so, again,

so depending on what the lease deal is,

so some lease deals will include things like

tyres servicing.

So, you're really just, you're just renting the car.

And at the end of the term, this is a 36 month term,

you just get the car back and go and get a different lease.

So, I'm not an expert on leasing, by the way,

and I've never leased a car,

but quite often when I'm looking at my PCP deals,

all you're really doing is trying to,

I don't know about with your ones,

is trying to kind of maintain your deposit

so that when you get to the end of your PCP,

you can, you've retained your deposit in the car,

and you can then use that to put the deposit down

on another car and pay a monthly payment on a PCP deal

for two, three, four years,

and just keep changing cars.

This is similar.

The challenge, or the difference here

is often with a lot of these lease deals

is you don't actually have a down payment,

you just pay a monthly payment.

It might cost you a little bit more per month,

but it could well include things like

well, tyres servicing.

The only thing you have to be really careful of

is there's a mileage limit,

and then there's an extra charge.

For every mile you go over the mileage limit,

you'll have like a per mile charge,

so you have to be a bit careful of that.

But that's at 6,000 miles a year.

So that's the other thing, a talking point.

I know we said around 10,000 miles a year.

The reason I put that in is that I think

when people are doing these either PCP or lease deals,

it's super tempting to put a lower miles per year number in

to get the mile or to get the monthly down,

but then you can't use the car as much as you like.

No, and even you've fallen foul a bit for that

in your early days with your Boxster.

Yeah, because then you end up being that guy, right?

I mean, I'd probably went before...

I've got access to lots of cars now,

but I easily do 12,000 to 15,000 miles a year quite regularly.

If I was only using one car,

so if this is the only car you're going to buy,

you need to make sure that your mileage limit,

and it's also the same for whatever insurance policy you take out.

Your insurance policy is likely to have a mileage limit per year,

and that needs to be the accurate number as well.

Yeah.

Well, just looking, actually, that lease deal that you said,

that you can easily just go from 6,000,

so it's 202 pounds a month at 6,000.

If you bring out 10,000 miles a year, they increase it to 214.

So it's not a massive difference,

and you think you're paying an extra 12 pound a month

for that piece of mind.

And actually the initial payment,

which I think in lease deals,

they call it the initial payment,

but actually it's more,

you look at it in another way, it's like your deposit.

Oh, there we go, two and a half grand.

Two and a half grand, which is about 10%, right?

So, I mean, that's amazing value.

I mean, you know.

That's a shed load of car for that.

I mean, yes, it's not for everyone.

It only does a couple of hundred miles a range,

but in terms of affordable EVs,

everyone's always bitching about electric cars being too expensive.

That's one of the best electric cars you can buy.

I think it looked bigger for 50 quid a week.

No wonder they're selling them faster

than they can bloody make them.

Yeah, and on top of anything,

the only reason I would have one is because they look cool.

Yeah, and I went on this,

I thought, well, quite a fancy one, actually.

So I'd either have it in yellow or blue.

Blue, a bit like Tony's done.

So Tony, their TRL deals, Mr. Tony Lewis.

He's ordered one with blue and then gold trim,

so he's going to make it look a little bit like his Clio Williams.

Ah, awesome.

That's, yeah.

If he sticks to that,

because I think the last time I talked to him,

he said he might be cancelling it because he's worried about...

I think they put the prices up recently.

I don't know, that doesn't say that, so I don't know.

But there's mine.

250 quid will get you a Renault 5,

whether you lease it or PCP it.

Because I guess the PCP,

you have got the option at the end to refinance the balloon

or pay off the balloon and keep the car.

Yes, whereas at least you don't.

Yeah, but let's be realistic.

How many people do that?

And also, if you think about it sensibly,

I'm sure if you really like that car that you're in,

you could then buy it.

You could buy a three-year-old one.

There'd be loads of them online or whatever.

But yeah, if you're buying an electric car

and you're having it three years,

I very much doubt at the end of those three years,

you're going to want to buy that car.

Yeah, but that's interesting.

The only thing I would say is a good friend of mine

that we know, Andrew, from The Fish,

he had a Model Y Tesla on,

it was on one of these salary sacrifice schemes,

which are effectively a lease deal, right?

Yeah.

And when he gave the car back,

they were super picky about its condition.

And they were like, oh, there's a scratch here

and a scratch there.

And they started to try and charge for putting all

those things right.

So I think you just have to remember,

it is not your car, so you do have to look after it.

Because if you give it back in a shit state,

it's going to cost you.

I remember when I worked in the fashion industry

at Storm in London,

and I used to help a lot of the people

at Storm in the agency with cars,

they're like, oh, Joe, I'm looking for this

and looking for that.

And obviously that was before I worked in the car world,

but I was obsessed with them.

So I'd always be like, yeah, no worries.

And then I'd spend all night looking, researching.

And this one girl that I worked with,

she got herself like a nice one,

series BMW brand new on a three-year PCP.

And I didn't know, but during her three years,

she had two kids during that time

and she had a dog.

And the car was absolutely battered.

Like she obviously couldn't drive

because every panel had marks and scratches on it.

The dog had chewed in the back seat.

So like one of the bases of the back seat

was completely gone.

The headrests were missing or the baby.

The car was in a horrible state.

But she just assumed that at the end of those three years,

because at the start I'd said, right, PCP,

at the end of it, you could just hand the car back.

She took that literally.

She was like, oh, you could just hand it back in any state.

And of course, she handed it back and BMW,

I think she got charged about four grand

in total with bodywork damages.

Oh, and the car was only probably 20,000-odd pounds new.

So, but yeah, I mean, that's,

hopefully anyone watching and listening to this podcast

has the intelligence to understand that, yeah,

you've got to give these cars back

whether it's PCP or at least they've got to be,

you know, representable value of a condition rather.

But yeah, nice.

Which BMW did you select for under 250 quid then?

There are no BMWs.

There are no BMWs in my list at all, actually, which is...

Wow.

Yeah, I know.

You're feeling all right. Do you want to go and have a ride now?

Well, and I'm going to start with an electric car.

No! No, this is what's going on. Where's Joe?

Someone's abducted him.

That should open up.

Oh, no! Do you know what? That's so funny.

That's your spring.

I think, what was the car that was announced yesterday

that's just become the cheapest electric car on sale?

This was the cheapest electric car on sale.

Oh, is it the new BYD seal or something?

Not seal.

Yeah, probably.

Dolphin or something crap.

Yeah, it's probably because you,

it's cheap because they give you one and then they pay you

to take pictures of them and put them on the...

Ha, ha, ha, ha, yeah.

Exactly.

Are you feeling all right, mate? You've chosen a Datcher.

So it's a Datcher, the full one we're looking at in this,

is a Datcher Spring Expression Electric 45,

which is basically the entry-level electric spring that they do.

Look at the price of that!

15, well, $14,995 is full retail price.

So, but you get a dealer deposit contribution of 2,250 quid,

which brings that down to what, about 12 and a half grand or something.

That's with a customer deposit of 1,500 quid, which is 10%.

Over 36 months and 10,000 miles,

you'll be paying £164 a month, which works out about 40 quid a week.

So, 0% APR as well?

At 0%.

So it's not substantially cheaper than what you've...

Well, what's interesting is your car lost...

What was it about your Renault 5 that you showed us?

Lost about 50% of its value in three years.

Whereas this, if you look at its optional final payment, it's 5,300.

So it loses two-thirds of its value.

So actually the monthly payments, when you look at it,

$164, that's not substantially cheaper than your 200 quid for the...

And that's why, it's because you're actually paying off...

Even at 0% APR, you're actually paying off more of the car

because it depreciates much quicker than the Renault 5, supposedly.

But still, 160 quid a month.

I mean, it makes Pat's Ami look expensive.

Yeah, yeah, 160 quid a month and you actually get the car to use it.

It doesn't have any...

I'm sure it does have some special thatcher features, but...

Well, to be honest, I'm a little bit of a thatcher fanboy,

but I mean, I haven't driven a Spring,

but I've had a really good look at one up close

and they're really good.

They look like a really cool car.

I like thatcher's kind of design language thing going on at the moment.

I just think their cars look cool.

I like them as a brand because they...

There's loads of...

If you and I only know this because of the next podcast we're doing,

might well...

I might well be thinking of a thatcher in that.

There's loads of little gadgets and add-ons and accessories you can collect.

That's...

Yeah, I approve.

Petroped approves this message.

Yeah, no, I like both of them.

There you go, guys.

If you're listening, if you've got a minimal budget

and you want a small electric car,

there's two brilliant offerings there, both under 215 quid a month.

Very affordable.

All right, next one.

Take us up a level, Ped.

Oh, electric cars.

They're too expensive.

You can't afford though.

They can.

Next up.

It's another electric car.

But I have...

So the target monthly fee or monthly target was 500 pounds.

Yeah.

And I have exceeded that a little bit.

However, with 500 miles a year or something as well, probably.

It's a personal contract hire, so it's like a lease.

Okay.

Yep.

But it's a cool car.

Bear with me, caller.

Let me drop this into the little chat box.

Oh, there you go.

Oh!

Well, first thing to say is Pat has put...

Have you noticed in our group?

No.

Has he...

No, has he put the same one?

Oh, no!

Yeah, yeah.

Pat's actually put the Arnic 5N.

So that's great that Pat's not in this chat.

Yeah.

Okay, four grand.

So one second.

So what is the...

What's the retail price in these now?

The old, they are like...

The new 70 grand.

Okay.

Yeah.

So and is that...

So it's a £4,000 deposit and £550 a month.

That's a personal contract high, not personal, not PCP.

Okay.

Correct.

Yeah.

Now, there is a downside to this.

Okay.

And the downside is it's only 5,000 miles a year.

And you can't tweak that.

Well, you could.

If you click the inquire now button,

I'm sure you could probably change that,

but it would change the numbers.

And that's over four years as well, I suppose.

Yeah, yeah, yeah.

Now, this is through the Richmond Motor Group.

Okay.

There were a few other deals around,

but for me, I mean, I only know this

because I know a couple of people who bought an Ioniq 5N

on the back of me having that press car

what, nine, 12 months ago.

I took it to show a couple of mates

and they literally both ordered one that week.

So...

Wow.

And they love it.

They absolutely love the car.

And they are just mega, mega things.

But that, for 550 quid a month, that is a lot of car.

Yep.

And the initial payment is four grand,

which is actually under, well, under 10%.

That's about 6%.

And I've just worked out that at 9 p.m.

So you do get excess, maybe you just pay,

maybe there are no sort of,

maybe you can't set the annual mileage,

you just have to pay 9 p.m.

I think with my calculations,

if you did 10,000 miles,

it's going to be an extra 45 quid.

Sounds, yeah.

So it's still well under 600 quid.

Yep.

I mean, yeah, that's a, it is a great car.

I can't, yeah, I'm a big fan of that as well.

Jesus, what are we doing?

We're talking about too many electric cars, but yes.

Mate, can we, well, I was going to say,

can we capture this moment for history?

But we have because it's recorded.

All the Petroheads are now flocking away

from the podcast and leaving us in droves

because we're talking about electric cars.

But to be fair, for me,

they are I think the two best electric cars on sale today.

Yep.

Well, actually the spring,

I wasn't thinking of the spring,

but the Renault 5 and the Onik 5.

And they are not silly money.

No.

I know, let me just rephrase that.

550 pounds a month is a lot of money for a lot of people.

Yeah.

So I'm not going to, I'm not downplaying that,

but actually in the crazy world of car finance,

I thought that was pretty good.

Yeah.

Nice.

Very nice.

Good one.

So what BMW have you chosen with that?

You said you weren't going to,

you didn't have any BMWs.

No, no, nothing.

But let's, so let me just,

see, I had a couple in this price point,

but I'm going to go with this one.

Yeah, me too.

Because this is actually the one that,

if I had 500 pounds a month,

and I needed to go out and buy something new,

something that I would actually go out

and spend my hard-earned cash on,

this is what I would go out and buy.

Now hopefully if I send you this link,

and it's not,

let's see.

Yeah, here we go.

It doesn't open it.

Oh yes, it's open.

Oh no, yeah, hold on.

It's stinky about it.

Oh, here we go.

Oh no, that's the wrong spec.

No, it's the wrong spec.

So if you go to the top,

next to the Octavia,

if you click on that and go down to VRS estate.

Oh yes.

Yeah, okay.

So I've chosen a Skoda Octavia estate VRS,

or VRS estate, I don't know which way to say.

I know we're both big fans of Skoda

and this particular car.

Now what's interesting with Skoda,

and I've noticed a few manufacturers are doing this,

is not only is there a PCP option

or personal contract hire or business contract hire,

there's also within personal contract hire,

or personal PCP,

there are two options at Skoda off at the moment.

And it's a little bit interesting,

because on the face of it,

you'd think, oh, well I'm going to go

the 0% option and £1,000 from Skoda.

But actually, in most of the specs that I've looked at,

it's actually better value and lower monthly,

if you go for the 6.4 APR,

and then Skoda give you £4,000 contribution to the car.

So the one that I worked out,

and I've written it down here

because I just want to make sure I bring it up,

so 10,000 miles a year, over 48 months,

£4,100 deposit, which is 10%.

Skoda then give you another £4,000,

and it works out £490 a month,

which again, if you went back five years,

or especially 10 years,

that's a lot of money to spend on an Octavia

on a monthly contract.

But actually, in today's world,

I think that's really, really reasonable.

I think that's one of the best cars VAG make.

Yeah, I understand.

Across the whole group, I think it's one of the best guys.

It's super practical.

I think they look great,

especially if they do some really nice colours as well.

They drive brilliantly.

Did they still do the manual or not?

Did they stop doing that?

I think the manual stopped now.

Yeah, I think the manual is a shame.

But just brilliant.

For that, that's mega.

Yeah, and if you actually went personal contract hire,

so using your, it's actually,

with just under a 10% deposit, over 36 months,

it's actually, and this is with 10,000 miles,

it's actually £414 a month.

So it's closer to £400 a month, over 36 months.

There you go, compare that to that S5,

and the price of that S5, which would you have?

Yeah, well, I'd have this every day of the week.

I think it's a much better car.

It's just as big and spacious.

It's cool, it's understated.

There's just something, I mean, I love Skodas.

I used to love them when they were shit when I was a kid.

Super Estelle.

Yeah, and I love them in the last 15 years,

as they got better and better.

But that to me, for, well,

if you're using personal contract hire,

just over 400 quid a month,

I mean, you can't argue with that.

You don't need any more car.

And I'm sorry, Tony, if you're listening to this,

as you probably know, I'm not in love with my M5 touring.

But if that was swapped out with the Skoda Octavia,

the BRS estate, I would not be devastated.

Because I think it offers everything you want in a car

and all the practicality in the world.

So there you go.

So that's my mid-run car.

Now, my last one, I ran out of time a bit,

and I'm sure I could find a PCP deal on this.

But I found another lease deal.

I don't know what it is about me at lease deals today.

But it's a car that we both love

and have experienced recently.

We both love and have experienced recently.

Yeah.

9-11 ST.

Yeah, I wish.

Oh, okay.

Yes.

So our budget is £750 now.

So I've gone for a GR Yaris.

And this is the Roven Perra one.

So I think it's not the top spec,

but the one down from the top spec.

But mega, mega, mega car for £758 a month.

That's a lot of money, isn't it?

It's a lot of money, and it's a big initial.

I only just spotted the initial payment, actually.

Yeah.

It's like 9 grand.

Wow.

Especially now, I'm looking at going,

why don't I think that was a good deal

when you just showed us that Skoda for 500 quid,

and I will know 400 quid?

So maybe this is a rubbish deal.

Maybe just ignore what I'm saying.

Yeah, I think you might be honest.

That's, I mean, that is a lot of money.

What are they based about 50 grand now?

Yeah.

Oh, and it's 5,000 miles.

No, this one's £58,000 car.

Jesus Christ.

58 grand for a Yaris is stupid, but they are good.

Yeah, okay, well, that's a nice example of what not to buy.

Yeah.

Yeah, I'm just going to go buy a Renault 5.

Ped, you're doing so well up until that one.

I know.

I don't know, I was thinking, I was doing my research

and kind of ran out of time a bit and thought,

ah, looks all right.

And then I just started looking at the details and I'm like, no, no.

I noticed on the spec, it goes boot space.

It doesn't give you any spec for boot space.

Well, that's accurate, yeah.

I think ironically, this was the hardest one

because there's a lot of really nice, let's say sports cars,

M cars, 911s above around £1,000.

But yeah, at the £700 market, it's 750.

It is.

I mean, you've got the monthly is almost bang on there,

but that is, I mean,

so I did have and I've deleted it for you.

So Pat in the WhatsApp group had suggested Alpine A110

and I did have Alpine A110.

And the reason it took hours, so interestingly,

the Alpine A110 over the last couple of months

have had some 0% finance deals from Alpine,

really, really attractive ones, but they don't run up for very long.

Yeah.

And if you get one of them, then they're like super interesting,

but you can easily get an Alpine A110 for £700 a month.

Okay.

And that would be, that's a proper car.

Yeah, definitely.

Yeah, 100%.

But because the Alpenes, well, we've seen their residuals are really good,

so I guess that's how they manage.

Okay, nice.

Well, it's funny.

So my final one at that price point, it's weird because we kind of,

well, I guess with the side,

we both started with these tiny super mini electric things,

then we both went up to like mid-sized family

sporty family wagons in a way,

and then we're both going to end with hot hatches, which is...

Oh, no, really?

Well, that'll actually be wrong.

Which is, yeah.

So, like I said, I did like you strike on a little bit with this price point.

And although I don't think, I think our earlier options are definitely good value,

whereas both of these that we've suggested probably aren't amazing, are you?

The one I haven't suggested, of course,

is you could have bought a 991.2 GTS Cabriolet for £750 a month,

but it had blown up.

So, yeah.

So I don't know what's going to come up here.

Oh, actually, oh, it's coming up.

Oh, really?

So, yeah, so at the moment,

Audi are doing really good contributions towards RS3s.

So I've got an RS3 here,

which obviously the very latest one, which has been recently updated,

with a £6,200 deposit, which is 10% over, what have I said?

I've said over 48 months for this one.

So almost maximum annual mileage, £10,000.

It works out at £689 a month.

Yeah, £689 with a £6,000 deposit, which is, and that's a £62 grand car.

So, and that's, again, PCP, and I've just seen,

they've got a personal contract hire option here as well.

So I'll just click on that and see, let's have a look.

Rentals in advance, let's bring that up to maximum,

because I think that gives us, so that's only, okay, yeah.

Initial rental, that's not even 10%, duration,

let's bring that up to 36 months over three years.

And annual mileage, let's wrap that up to £10,000.

So with personal contracts, personal contract hire,

it works out at £6,000, no, one second.

Oh, okay, so interestingly, it's actually more expensive,

personal contract hire, because you don't get that four and a half,

or whatever it was, five grand deposit contribution from Audi.

So you don't get it on the contract hire.

So if you're getting one of these, and to me,

it looks like you're better off going PCP.

Oh, it's actually, yeah, £5,625 that Audi put towards your RS3.

So yeah, it's not amazing value.

And I think a lot of people will be like, Jesus, 700 plus.

Yeah, it's a lot of car, but then £700 a month is a lot of money.

A lot of RS6 for that five years ago.

Exactly, yeah, and I think that's the sticky point.

But the other thing to say is with all of these things,

is have a shop round for your finance as well,

because these are deals that we've found mostly, I think,

on manufacturers' websites or dealers.

But you might will find independent finance is cheaper.

What you won't get, though, in many cases,

that big hefty deposit contribution, I would guess,

that's only available if you take out the finance from them.

But you might find that the APR and the details of other finance is

even still even better, because they'll just have lower APRs and stuff.

And also if cars are in stock as well,

if you walk into a Skoda dealer and they've got a car there,

then you might be able to haggle a little bit more off the price.

I know there'll be some people going,

oh, your finance, you're just encouraging people to get into debt,

which I had so much of that when I bought my Porsche,

because I had a paid integration with my finance company,

and I'm not really.

It's just like the vast majority of people,

whether you like it or not, buy their cars on finance.

It's like 80% or something.

Even Ferraris, something ridiculous with Ferraris,

it's over 70% of Ferraris are bought on Ferrari Finance.

So it's how people buy cars now,

but I found it really interesting going through that.

Yeah, definitely.

I think if you're buying an electric car,

and you can get an electric car on 0% APR,

so you're not paying any interest,

then I think you'd almost be mad not to finance it,

because owning outright an electric car to me is like I would serve at night.

It would give me nightmares,

because all you'd think about is how much money it's losing,

whereas if you're buying on a PCP

and you've got a guaranteed final value or whatever it is,

at least you can get rid of it if shit hits a fan.

Tycan, sorry.

It's interesting, because I've got a friend of mine

I was helping look at a car to buy last week,

and he was looking at buying a new one,

and buying it outright.

And I said, well, if you're buying a new one,

and you're buying it outright,

then unless you're desperate to spec a car,

and the car we were looking at,

the only thing you could spec was the color.

So I said, you may as well try and find a six-month-old X demonstrator,

because that will already have,

I don't know what percentage of value,

15, 20% of the value taken off it.

So do that, so yeah, anyway.

Definitely.

Cool.

Oh, there you go.

Come on, back on the bus.

Just over an hour.

Mate.

So put in the comments,

what would you buy with your 250, 500, or 750-grid?

It's a great game to play,

although I was sat in bed yesterday morning with a cup of tea,

and I'm on auto-trading and tasted like,

what are you doing on auto-trading?

You've just bought a car.

It's research.

It's research, darling.

It's okay.

I'm not buying another one.

No, exactly.

But yeah, anyway, thanks,

soon and make sure that you hit that subscribe button

if you haven't done so already, as Joe said,

we are so close to hitting a big milestone on YouTube.

And again, give us a follow on Facebook and Instagram,

and tune in next week.

But for now, easy now.

Easy now.

Big thanks once again to Michelin for supporting us.

And we've got an interesting Michelin subject

that we're going to talk about in next week's pod.

Oh, yes.

Next episode, so stay tuned for that.

Goodbye.

See you tomorrow.

Bye.

Car Finance Challenge! £250, £500 & £750 a Month | Ep 70 | Drive Torque Podcast

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