I had a quick look at her contract the Conman signed. And essentially he did the calculation like
(£) Cost Of New Car - Part Exchg Of Old car (£) = £Difference (Settlement Diff not incl as yet but in other calculation below)
That Difference from the settlement figure got setup to go across to the other finance company which she is currently paying for monthly.
£Difference + (£ Settlement Figure - (£) Part Exchg Cost)
This crook came out of no where saying that he is out of pocket by £4 grand suthin and wants more money.
In my eyes I dont see miscalulation based on the figures I am seeing on the new finance agreement.