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I think i'm only get charged 6% on full circle
In regards to depreciation 50% in 12 months is fairly heavy but what you were offered was just the dealer's offer - you don't have to take it. Its not really the "wrong" thing for them to give you a low ball... its a business they're running.
I looked on Carsales last month and generally speaking my car in 12 months has depreciated by 10% to 15%, which is fairly standard.
If you are really keen on selling your car you should take the time to do it privately. I've owned about 10 cars in the last 12 years and generally speaking making your car the cheapest online so it would sell within 2 to 4 weeks is still 20% better than what the dealer would give you on trade in.
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