In England, where many people commute by bicycle, there is a so-called Cycle Scheme. This is an opportunity to purchase a bicycle on installments with payments deducted from your pre-tax income. Considering the high taxes, this scheme allows you to save a significant portion of the cost – up to 47%.

I also decided to take advantage of this offer and purchased an electric Brompton, a popular English brand of folding bicycles. It is known for its well-thought-out ergonomics, large community, and high price.

Even here, there were some adventures. When placing the order through the Cycle Scheme voucher, something went wrong, and the entire amount (3000 GBP, or about 380,000 rubles) was directly debited from my credit card. The customer support service was unable to cancel the order even 5 minutes after it was placed. As a result, I had to find money to cover the credit card payment, wait for the delivery of the bicycle and accessories (a total of seven packages!), and then arrange a return. All of this will take about three weeks. In the end, I bought the bicycle again, but this time from a store, transferring all responsibility for the payment to the consultants.

Would you use such a scheme?

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