This practise as obnoxious as it is is by no means unique to Nationwide or even SA... happens a lot... crtainly in Europe...simple answer is just not to get involved.... Another way that also works is to find a higher paid job elsewhere after a year or so and offer to pay them back at what YOU can afford...if they want t take someone to court who's already offered to pay them back they're going to look pretty damn silly and unlikely to get much sympathy from the courts..
