In my extensive experience of the Motor Trade and Finance, the instances of reputable dealers refusing part exchanges, without viewing, are rare, if not non-existent.

I would be very wary, whatever method you choose, dealing with the dealer without first checking the credentials of the dealer very carefully. E.g. by searching for any reviews, checking the dealer's position on Companies House, the Directors' prior history and for how long the dealer has been established. Is the dealer local to you???

Having savings or not has nothing at all to do with this , I just said I would like to dip my savings to pay off the excess as that savings is for others things so barer of bad new u ain't but barer of pointless news yes