Hi all, I'm looking to purchase either an A4 Avant Dynamik or an S3 Sportback. I get a car allowance from my work of £500 before TAX, so about £350ish I currently have a 58 plate BMW 320d Edition M Sport Touring, having owned it for 2 years and put down a 6.5k deposit it's now in negative equity by about £1800. So don't really want to repeat this problem again. I think this is because I took BMW Select PCP deal over 4 years, should have done it over 3 as I want to change every 2 years. And BMW residuals suck! I do about 20,000 miles per year, any the BMW deal was done at 15,000 to 'lower the payments' which doesn't help because if I even wanted to go down the route of VT, then with the mileage difference it's less hassle to just pay off the neg equity! I had a look at a 59 plate S3 for £21,995 got a quote from Audi of deposit £5500 (£1800 of that to clear the Negative Equity) then monthlys of £400. It's only one 18500 miles but doesn't have all the gadgets like sat nav, and I don't want a TomTom cable permenantly scattered across the dash. I've just found through the Marks and Spencer website that they do a "car buying plan". Looks like no setup costs, defer 40% and no deposit! Has anyone taken this kind of route rather than the main dealers PCP plans? Has anyone used M&S with good or bad reports? Are there any other good other options out there?