What is the most unfair thing about bonds is the way the Taxman treats them. I had a 5 year bond which, when I worked for the company was half paid by me as a salary reduction (ie tax free) and half paid for by the company, ie a reducing the amount owed over a term of 5 years (again tax free)
When I left the company I was asked to pay back what was outstanding from my and the companies contribution, but I have to pay it back with my salary which I have already paid tax on, and the taxman says that it is considered a loan to me by the company!
Now that is unfair, and what did Balpa do when I asked them for help, yes you guessed it,
all!