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Pcp help wanted (understanding)

I remember buying a brand new car in 1999.
As I worked for Peugeot, I got my 20% discount.

After 3 months, I got bored of the car and more importantly the monthly payment...
I sold the car back to the dealer network, 3.5 months old, a few thousand miles showing, 1 owner, perfect condition and had to pay them to take it back.
About £800 if memory serves me correctly.

Remembering I saved 20% of the new price with staff discount.

That was my first and last new car and more importantly the last car I ever bought using some sort of PCP/Lease deal...