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@deleted
Cycle to work scheme is not a 'hire agreement'
You will have to either return the bike or pay the outstanding amount - and thus loose the income tax benefit of having this taken from your salary.
However as its cyclescheme its not even optional.. the total cost of the bike will just be taken by your employer out of your final salary.
Cyclescheme will also what you to pay 'fair value' for the bike. They work this out very unfairly just based on age.
Why have you started a new thread for this?
http://www.lfgss.com/search.php?searchid=3464491