12000 poon
I had the same problems what with moving about alot and applying for credit, both of which will adversely affect your credit rating. My solution was to go cap (literally) in hand to my own bank branch (RBS) and speak very nicely to them, with all documentation at the ready. They were very good and gave me a reasonably competitive rate over three years - which is also the length of time that the company repays you for the 12 grand (+ interest). I set up a separate account for the payment from LC and the loan, which means I can just ignore it and after 3 years I'll be all square. What do you think MVE? It sounds pretty fair to me - I'm not out of pocket and if I leave the company the payments stop and I have to pay the rest of the loan.