I rang First medical a few months back to ask about payments etc and how they work when they get taken out etc. At the time i was told that from when you sign the forms send them back etc the payments start coming out a month after then.
So ive been stressing trying to work out exactly when id need to get paper work to sign it send everything back so it gets taken out when i get paid the following month and so that its all sorted.
Ive asked MYA moderator and rang first medical again today and apparently its changed now so that when you apply for your loan and sign etc you will only start paying the payments back between 2-4 weeks after your op! 
so it means i can have my op a week or 2 earlier then i thought-which isnt that much difference but hey its a bonus!
Just thought id share it cause although most probs kno and im just thick lol there might be some people still trying to sort things out etc like i was when i was thinking it comes out a month later xx