If your happy mail ordering a bike I bought my last one from Edinburgh Bicycle Cooperative and can only say good things about them. Came all built up apart from straightening the handle bars and attaching the peddles and all the tools to finish it off were included in the box.
If your after saving a few pennies it's also worth looking into the cycle to work scheme, where basically your employer buys the bike and sells it back to you via salary sacrifice. As the sacrifice comes from your gross salary you save on the tax and ni deduction and if your employer is VAT registered they will normally pass that saving on to, as they can claim that back from HMR&C. The scheme also includes options such as lights, panniers, helmets and locks so you can get all kitted out with a potential saving of anything between 10 and 50%.
Chequered Flag, try organic pads instead of sintered that stopped mine squealing and I've noticed no difference in wear rate or stopping power
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