What protection do you have if the agency just packs up and vanishes?
You might have to sue in the Small Claims Court for the return of your money. I don't know what Amour's banking arrangements are, so you'd need to check these if you decide to use the facility. (As far as I can see 'Amour' is not a registered company and so does not exist as a legal entity). Also, you would rank as an 'unsecured creditor', so if Amour were to fail financially you would get your money back only after 'secured creditors' (eg. Revenue & Customs) had been paid in full, which means you might not get a penny. It's a bit like some 'Loyalty Cards' that allow you to 'save' money on them; unless they are covered by the statutory savings protection scheme, your 'savings' are at risk. (Remember
Farepak). All that said, Amour has an excellent reputation and seems to be the most popular Agency in these parts, so in the end it comes down to whether we think the risk of discovery outweights the relatively small financial risk of using their Payment Plan. (Let's be honest, we've probably all wasted £50.00 at one time or another on a girl who's turned out to be rubbish).