Personally think small interest but relatively large penalty, They've spent a fair bit of time and effort setting this up and to make nothing out of it because SD goes for early repayment would seem very strange. Penalty could easily be 2% of loan = 0.25 on 12.25. So no great gain but no great cost either.
Could be! They're clever, it could be anything, nothing, or more likely, somewhere in between, and I agree there may be a penalty.
Played right into Donald's hands here ; divide and conquer. Whilst fanzines and fans with nowt to do with fanzines argue amongst themselves Donald carries on doing much the same thing with the added bonus of a ready made excuse not to spend in the transfer window. Tories do it all the time e.g. making out that the unemployed are the problem and not unemployment per se. Classic.
Also agree 100% with this. He planted the seed of doubt in his interview, plenty of people have bitten. Now you have people who are anti-Donald and anti-fans groups. Nobody knows what they even want anymore or who should say it, or even if they should.
Got to admire the execution in some ways

