no I read it in this group many times. Many use the monthly transfers - they don't need an affidavit - many can't get it anyway. And if you have it you don't need the monthly transfers.
your conclusion is wrong - you say monthly transfers are not relevant if you can't get the affidavit. Not so - it's the monthly transfers OR an affidavit.
yes ok - no not experienced it since I do not use agents but what I said is what I have read several times in this group and another visa group and I have been following both for quite a long time now 😊
you didn't confuse me but your reply to a remark from me was "so immigration don't like you moving from using an agent one year and all above board the next?" - I would certainly call that a conclusion - but never mind