It’s cool that you have an alternate plan,

but setting up a payroll loan is a pretty standard practice when a company screws around with paydates. Happened to me twice. One time everyone got the loan automatically, the other time we had to ask for it but it was routine. That was last year and they held back the first week in January which of course is when many people are feeling it.

That comtroller does sound off the rails, good luck with that!