Just had this reply from Oracle when i asked them about Velarman's findings:
"Thanks for your email. That is disappointing to hear given Oracle are the Official Finance partner for the Ferrari & Porsche Owner's Club in the UK which is testament to the level of service we deliver and we do pride ourselves this. We help finance over £140 million of cars each year with the majority of this coming from repeat customers.
Regarding the process- I have provided you with ballpark figures at this stage. I am not able to tie down these figures for you until I get your permission to carry out a credit search and propose you to the lender. This will involve two searches- one from Oracle and the other by the lender. The lender's search will also consider any fraud warnings and associated credit- both of which my search does not throw up. Once I have a decision back from the lender- which is usually the same day- I then have a formal credit line in place (which is valid for 90 days). Depending on the size of lend and lender, bank statements may be requested, but I will advise you of this at the earliest opportunity.
Regarding the tracker-I have checked with my underwriter and this is not something Oracle request but it can be a requirement of the lender. I can look to propose you to a lender who will not require a tracker on a Velar, but this could have an effect on the rates available to you.
The only reason we wouldn't be able to offer you the finance we quoted is if something cropped up on your credit file- otherwise, we do achieve the rates quoted."