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@Khornight2
Not as far as I can tell, the bike is property of the company. Who is leasing it to the individual. The final payment is to transfer ownership from the company to individual.
At least that is my understanding of it... My current company is still in the process of starting a cycle scheme and so I've been spending a bit of time talking to providers. They all gloss over the idea an individual won't wan't the bike by saying it's not happened, but I've not really pushed on that question yet.