We got there in the end, but beware the claim that they get the money sorted generally in 24 hours is not true, it can't be. For a start they don't always return your calls and when you do get approval they then use a ridiculous system of id verification involving using the post to send out a PIN number and then you once again have to try and get in contact to finish the verification. I checked with the actual finance company (CarMoney are just an intermediary) and they didn't require this method of verification, they just ask a few simple questions on the phone which takes less tan 5 minutes. All in all the process took 10 days!!! Not great and I NEARLY LOST A GREAT DEAL ON A CAR BECAUSE OF THE DELAYS. That said when you do get to speak to the Ninjas, they are really nice and helpful.