Ah bad dealings with Toyota Finance huh? Yep, been there done that. Although my issue wasnt so much with the finance guy there, TF themselves bumped up the rate by 4% without my knowledge, which took over 6 months to settle after daily calls. I ended up paying out the bloody loan just to keep my head clear. Go to your bank you have your business account with first, they will offer a far better product. Sorry to hear of the hassles but i know them all to well.