AMS
I think Custer's warning is about a certain type of flying school you can find in any country but who have no knowledge of the word Honesty. So if you think you can get your money back just because you asked for it, I am afraid you are mistaken. I know because I have tried it and burnt my fingers. The help of a lawyer didn't change a thing. It took many years and a fair amount of money to be told by the court there was nothing that could be done anymore....
As someone mentioned above, perhaps you can pay small chunk at a time just to get that 5% discount but never pay up front. Do run a search on this website and I am sure you will find a goldmine of good advices (SECOAT's demise had a very significant impact on many student pilot's nerves).
I know we are all short of £££ but the real saving is not in the 5% discount you might get but in how quickly you get the hang of flying which is often connected with the amount of pre study done before a course, flight, flight test,...., back seat rides you may have done, etc.