I still don't understand how he's getting such sucky figures... so here's my workings:
So I reckon he's got 69 quid a month (plus interest) of extras over me, another 69 quid a month because he's being mad enough to not put down some more cash as deposit and avoid paying interest... so thats 538 a month.... maybe £22 a month in interest, that's making it 560 but he did put in a smaller mileage (10k as opposed to 12k), maybe that adjusts the GFV a bit, but clearly not much!
Five hundred and sixty quid a month... that feels like a shocking price to pay for warm hatch, but I think its about correct compared to my quote, the only real differences being basically having to pay back and pay interest on 2500 quid of extras and missing 2500 of deposit, so paying that off plus interest.