they ve now got the repayments starting. and a lot of people simply have not bounced back, which is the whole idea of the scheme. as soon as they re due, it is going to be a tidal wave. it will be. there is no ifs, bunts or shunts about that. the nao says £17 billion may never be repaid. and 100,000 loans are already in arrears. i ve had to contact my doctor about having some anti depressants. i haven t been able to properly sleep for the last 20 months. £50,000 it seemed like a life saver for anne marie and her printing firm. it now feels like a millstone. the bounce back loan is hanging there over our heads at the moment. you know, at the time, i guess, i had two choices. we either take on a loan and carry on and try to just ride through the storm, or we close the doors. but the storm isn t over? well, this is the thing. it sjust about starting, i think. loans that kept hundreds of thousands of firms alive became