Why does it need cutting though? Cause it'd stick out of the bumper too much? Or is it actually because the downpipe and cat are one piece? I've never looked.
Sorry for being slow

My old saxo's exhaust used to stick out of the bumper a bit, as it was a standard cat but janspeed cat back, but it looked pretty cool and wasn't a problem.

AND there's a sports cat on ebay 80 quid at the moment (will go up I guess) but it's pick up only. It IS only 30+ miles from my girlfriend's house though...
As I've said before though, the MIL issue puts me off getting one, unless it's easily sorted!