I wish I knew how easy it was too get I’d of lied about my income too get the full 50k and consolidated some higher interest borrowingsPaid all mine back, the hardest part was trying to find out how.
I have some cash now so no point paying interest on a loan and not being able to find interest on an investment.
Useful at the time because all my income had stopped but glad it is out of the way again.
As for being open to fraud, when I applied I just made up any old figures for them to base the amount of loan on and they never questioned it at all, just sent the money.