Yes i was/am/will be - EBS on the other hand approved me in principle (although for less than i applied for due to car loan). AIB also would not calculate my salary to the full amount. I earn €x per annum, plus a car allowance of €y. Because it has the word 'allowance' in it AIB would not take that as part of my income saying it can be altered/cut at any stage. I took in my contract of employment that has this in it, so any adjustment to the allowance is a breach of contract with me but they were sticking firmly to their guns. I then told them to remove my car loan from my outgoings, as my car allowance more than covers the payments and upkeep of the car, but they wouldn't.
I am on a rent to buy scheme now - i know many people have their reservations about them but i am finding it suits my situation.