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Dr Z.

Forgot to say NC4ME was just an easy side by side example.

Excuse my ignorance on this one, but in that example are you not paying £1000 more on the deal, and still end up owing the final £3,715.05 on top, that's the way I read it, may well be missing something though, maths was never a strong point.

And on keeping you’re money the bank; do's a bank loan not do much the same thing?

That would be DOES a bank loan, DOH.

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