Now I understand what it is. We have the same deal here from BMW under a different name, with just the same scam / problems.

You are just as likely to get a good second hand car privately or from an independent dealer for less money and, as always, you need to do your homework.

I think there is a type of buyer that is happy to pay for the 'perceived' comfort of a 'BMW plan' and if they are happy with that then good luck to them but these things are not for me.