Possible negative equity on 2013 0% PCP

[skd12]

the only option they have is financing the GFMV and keeping the car.

Or get a cheaper car... But yes I agree that it's intended to coerce your info buying a car that you might otherwise not be able to afford then further persuade you to get another new car in 3 years rather than keep paying for an old one.

BA Baracus:

The finance company will always attempt to work the details so that you have equity left in your car at the end of the initial agreement so that the salesman can softest you use it as a deposit on a shiny new car.

It's planned to keep you buying in a 3 (or similar) yearly cycle.