If you enter a scheme in all good faith, why should you expect to be paid late. I was in HLS for ten years and they always paid me on time, every 6 months. Seems standards have really slipped reading all the complaints on here .True. But this is the government. If you don't want to risk late payment, don't enter a scheme. It's rare a farmer pays me quickly but 6-18 months late isn't a way I'd want a large % of my income but I've never not been paid. Ask a building contractor what their bad debt % is and you'll see why they run on higher print margins on jobs.