Cyclescheme

This was the Head of Corporate and Social Responsibility's reply [...]

[FONT=Helv][SIZE=2][FONT=Helv][SIZE=2]
[...] these schemes are at best an inordinate amount of additional admin, [...]
The main reasons for not running the scheme are:
[...]
Such a credit agreement scheme places additional admin burden upon the Company to check and administer the payment-recovery system from each employee.
[/SIZE][/FONT][/SIZE][/FONT]

Not really solving any of the above issues as it obviously introduces initial overhead (business case justification, contract negotiations, etc.) in which some organisations may be reluctant to invest (and presumably a cost offset against the number of employees, etc.), but fwiw, the company for whom I work and who offer the cycle2work scheme (Halfords), sub-contracts the management and administration of the cycle2work scheme and similar employee benefits to a third party company (Watson Wyatt, fwiw). It has run pretty smoothly for the past 4 years since first introduced.