What I didn't know at the time was that I had actually been paid by loans which is why I initially told HMRC I haven't received any loans. I had never signed a loan agreement from what I remember. Once I had realised this, an APN was inevitable so no point in me providing bank statements.
Bank statements are personal and HMRC may question any transactions which they believe may be income on your statements which could open you up to further questions not related to the use of schemes so be ready for that. Not that I had anything to hide but didn't want the extra stress.
Did you not have to sign some sort of loan agreement?