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@who22
I'm on my second Cyclescheme ticket, after the first I paid the holding deposit and short afterwards left my employer no questions asked from Cyclescheme.
It does seem a bit messy when thinking about it, but as long as you don't leave in the first year it's all ok. Even then you could just cut a deal with your employer to pay off the rest of the balance as normal, then push ahead with the deposit with Cyclescheme