Any experience of cycle to work?

My cycle to work scheme has reached an interesting conclusion to payments.
Basically after entering salary etc estimated cost was £40 net deduction.

Fine, perfect.

Except first payment was minus the £40 (£63 deduction gross and £20 less tax/ni = £40ish). Expected.

But then I had another deduction of £20 so overall £60 net not £40... Basically one side is saying the other side is wrong so to get the £40 deduction I'm having it over 16 months, not 12.

It turns out because I'm low paid it would take me below minimum wage so they took another £20 in deductions meaning in I wouldn't get any tax saving.

Saving about £180 I think but the amount of hassle. Don't think I'll bother again. If I earn more money I get a bigger saving.
 
When I went for my second bike the shop said they would have to add £50 on the price for Cycle to Work but if I paid by cash or card I could have it for £50 cheaper.
I ended up finding the £750 so I could have it a couple of days later.
I had to wait around two months before my first bike was eventually granted.
 
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