When Marcus Johnson drove his Suzuki Swift out of a dealership in south Wales in 2017, he had no idea that he was helping to precipitate another major UK financial scandal.
The 34-year-old factory supervisor from Cwmbran tells the Financial Times he was “in and out of the place within an hour” having put down a ￡100 deposit and signed a loan agreement to fund the rest of the ￡6,499 sticker price. The ￡154 monthly cost seemed in line with what some of his friends were paying.
What he did not realise was that a big chunk of the interest he was being charged was to fund a ￡1,650 commission — a quarter of the vehicle’s purchase price — to the Cardiff-based dealership for arranging the loan.
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