I believe you would be negotiating with BMWFS, as they hold the title to the vehicle. The residual isn't too bad, but given the current market for SUV's you are in the drivers seat for negotiating a better deal. BMWFS will simply run the vehicle through an auction, and it's unlikely that they'll get that much for it. Make them an offer and see what happens. Worst they can do is say is no.

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