So there is a fight back if you have the face for it, be as cheeky as they are!
Take out every finance deal they can offer, GAP insurance, don't worry about the rubbish APR and use this as a way to negotiate the screen price down, because they will get commission from the finance and insurance vendors. Make out "I'd but it if it was xx price, not worried about the monthly cost".
Then cancel the finance and insurance(s) within the 14 day cooling off period, you settle direct with the finance company as the reduced screen price. The downside is the dealer looses their commission.
I have a friend who routinely does this, I haven't personally as I think it is questionable morally. The closest I came to using the scheme to my advantage was to convince a "business manager" (aka finance sales man) that he didn't want to be trying to sell me finance, i.e. "if you really push me I will take it but I'll probably cancel in the cooling off period" which resulted in him thanking me for my honesty and running away leaving me for a cash purchase
