Are people really signing up explicitly to pay a disposal fee on the assumption that it will not be applied?
My employer outsources it now too, to a company called Wider Wallet which I find ironic as it seems like they are out to open your wallet wide and help themselves.
I did take a £400 voucher (for cranks and a truing stand) before it was through Wider Wallet and I didn't have to pay the disposal fee but there's noway I'm signing up to it again on an assumption.
The wording from Wider Wallet is so fucking vague, it's something along the lines of "After your hire period your employer may allow you to keep the equipment and if they do there may be a disposal fee to pay which will be calculated blah blah blah". I don't know why anyone would sign up to something so vague (well actually I do, most of my colleagues are the kind of total morons that need to concentrate to read Daily Mail articles so no fucking surprise they haven't read the Ts and Cs).