Since beyond 2005 people on here have been pleading with people to take a moment to think about what they are getting into with integrated schemes. It's not exactly new science. It should never have been permitted in the first place.
You can't use a shareholder payout as the basis for risk when securing a 100k+ "personal" loan for something that's realistically worth 50% with no guaranteed return on investment. I mean from a financial risk point of view the alarm bells should have been going off well before even seeing a contract. But a dreams a dream, huh?