i am on the old system and below threshold, I applied for a deferement sent off the paperwork, one month had a bonus that took it over the threshold for that month. If you read the pay slip it was quite clear it was the exception, so they refused the deferment, took a payment, i then cancelled the DD, called them up to ask what they were playing at. They apologised for their screw up, and asked if i would reinstate the DD.
They have asked every year since, **** will i. If i earn the money then i will reinstate, until then they haven’t a hope.
I do wonder how much money has been lent out and how much will never be paid back? Even those on the newer above 15/16k loans probably never pay the amount back as payments stop after so many years.