I've bought 3 new Skoda since 2019 - took the discounts and the servicing every time then payed 'em off in the first 14 days - I never incurred any extra charge from VWFC but my bank, HSBC, charge around £20 for the draft - can't use a direct payment as there's a limit of £15k and VWFS won't accept 2 separate payments - other than that, it works fine.

I did notice that Honda have a couple of 'gotcha' clauses to prevent anyone doing the same thing with their 'incentives'..........

9 hours ago, Berisford said:

- can't use a direct payment as there's a limit of £15k and VWFS won't accept 2 separate payments - other than that, it works fine.

I've done it three times and have always had to make multiple payments with no issues at all (apart from the hassle of going through the whole process each time). I've done it by calling and using my debit card. I think the issue was VWFS would only accept £10K at a time.

I've just found the email from the first one I did, where I queried it as I think the letter did make it sound like they wanted one payment.

"Thank you for your email regarding payment.
We can confirm you are able to split the transaction over seperate days.
please complete the remaining amount on consecutive days.
Please use your agreement number as the payment reference number."