Thanks Roger.
So if when I finish I end up earning say, £36K (use this as an example as it's the most I've ever earnt at a job), I would be paying back £87.50 per month. This would be taken at source making my gross £34,950. I think the point of it being taken at source like PAYE means I would just consider that I earnt less... When I had the job earning that I was paying tax on a company Golf GTI and a company phone and I managed very well.
Maybe this is oversimplified, but at 45 the prospect of having to pay it back does not give me restless nights.
Does this make sense ?
