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Reading that it would seem to answer itself to me . Would I join ? Doubt it .

Indirectly related, but be aware of this: https://www.fca.org.uk/publication/multi-firm-reviews/our-work-on-motor-finance-final-findings.pdf (gory details), https://www.fca.org.uk/news/press-releases/fca-acts-protect-those-buying-motor-finance (summary) and also your requirements under CONC (full details here https://www.handbook.fca.org.uk/handbook/CONC.pdf) For sure, there is going to be increased public awareness of motor finance and I suspect a lot of high-end dealers and car supermarkets making a number of changes. Basically, don't look at making extra money on finance at the expense of the customer!

just do it

Thanks for all the advice guys, just a quick update... They have dealt on the car and I do have a small profit - £200, plus they have also recommended me to someone else who is coming down today to look at one of my sticky cars (6 weeks and no views) so hopefully I can get deal on that as well. As I cant physically visit you all who gave advice, have a virtual drink from me

What does it owe you and what's retail? Is there a halfway house to keep the peace, and you get a little earner out of it?