Issue remains the same. There is a % of " customers " who can"t...

Issue remains the same. There is a % of " customers " who can"t or won't pay and probably never intended to.
Its ok if you have plenty of head room, but they don't. Most of the funding availability will not cover this either.
With Xmas coming up it is likely you see a surge of non-payers because people will have xmas whether they can afford or not.
Buy now worry later.
Requires close watching from here of the finer detail, not the front page look at our growth BS.
That time is gone.
Could still go either way IMO.