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More than 10.5m people — or 28 per cent — who borrowed money under the scheme in April 2012 had to repay loans within six months, a review of the scheme has found.
And the proportion of borrowers who had to pay off loans was much higher among borrowers who could not repay as quickly as expected — 56 per cent of borrowers who took out money in April 2009 had to pay off their loans within six months.
The findings are expected to galvanise the Government into reviewing the controversial Direct Access scheme after the same bank's bailout.
In response to the analysis of a quarterly review of the scheme, the Government confirmed it would be reviewing the regulations on the loan repayment process.
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