OK so borrowing 25 grand over the phone is possible these days, and the everywoman Geordie housewife on the phone to Picture seems to be able to manage her life, find her kid's bike and organise everything around her including an incompetent husband, whilst sorting out a loan. The really irritating thing though is the line, 'That's much less than we're paying at the moment.'
You don't get owt for nowt, as they say somewhere north of here. It's much less per month than she's paying at the moment because they just spread the payment over a longer period and tied her in to credit repayment for years.
We've been there, done that and tattered the tshirt. It is very annoying.