Before we go any further, let’s be crystal clear about one thing. I am in no shape or form involved with

Instead I merely heard the name, thought it sounded intriguing, clicked on the website and started reading – and listening to the nice marketing man who pops up and begins his spiel, somewhat infuriatingly, each time you revisit the home page.

Anyway, having watched the video and read the various explanations about the scheme, I did some sums. And the numbers that started appearing on my calculator looked – inevitably you may well scream – almost too good to be true.

Bottom line; for an investment of £13,500, buy2letcars is claiming to guarantee you a monthly income of £250 for 36 months, plus an agreed buy back figure of £8955 once those 36 months are over. Which in theory means that, assuming buy2letcars honours its legal obligations to do what it is claiming to do, you end up with a total of £17,955, having invested just £13,500. Which is a return of 33 per cent. Which is somewhat better than any bank, bond or ISA can offer at the moment, you’ll agree.

Replacing the banks, however, is precisely what is all about. It’s called peer-to-peer lending and it’s their way of removing the banks from the system altogether. Sounds risky, and probably is in the short term, although ultimately it may even represent the way forwards – so long as sufficient people are prepared to take the plunge in the meantime.