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35 x 181.87 is only paying back £6365.45. Then there's £10,826 final payment.
If you're looking to change this to a bank loan then you would be borrowing £12670 and over 36 months thats going to cost £400 per month as there wouldn't be a deferred amount (in this example, £10,826).
You need to pursue it - you are not at fault in my opinion.
Was the dealer in Slough by any chance?
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