[Create a team feature, HELP!]

I've tried to set up up a couple of team in the 'create a team' feature, on one of these times, a Leeds variant, after I had spent, literally hours honing a killer squad for the 190m available, it loads only to find that i have 6 loans that cannot be terminated, totally 21% of my entire wage budget!! So now I can't sign any staff  and i'm completely buggered! I had to just bin it! But how do you stop ths? Or is it a terminal bug? Surely if Im picking my squad there should be no other deals going on. It's a new team after all, even though it is layered on top of a real club! Also, related to this. Can I add players that have already sgned to join another team? Does the game override this? There is a box to tck that says 'Exclude future transfers out', but i don't know what that means, it's a bit ambiguous!

Cheers, Jezz

[Is FM20 better or worse than FM14!?]

I have Played several incarnations of FM up to 14, where I stopped for 3 or 4 reasons. Although I loved the game it drove me nuts! My main bugbears where

1/ It was almost impossible to offload players! I wasted so much time offering and re-offering players to clubs for less and less money, even for nothing! Not a bite from the entire world of football! Sorry but that is just stupid! There are plenty of clubs with the financial clout to pay any of the wages my players were on! (Arsenal/Brighton/Leeds) And then someone would make an off and my  player would reject the contract!!
 

2/ Injuries!! So many injuries!!  So you buy more squad players to cover and guess what!? They get injured even before they arrive at the club! Then the game loves to Injure all the players in the same position. 
 

3/ Impossible to win games: 

Not the ones vs top clubs, as you might expect! Barca? No problem! Liverpool? 4-0 take that you reds. Bottom side in the division? Absolutely no chance! League One side in the cup? Guaranteed 0-1. Win to take you top of the league? Forget it! You can save and replay 20 times if you like you’re not having it mate!

4/ Loaned players get no game time, despite the promise to be a first team regular! Players that got 30+ games at an average of 7.5 lol. So many of my promising youngsters flatlined while out on loan. Their 4 or 4.5 star potential shrivelling on a cold foreign bench 2.5 or 3. Wtf is that all about!???

So my question is:

Are these still an issue in FM20? If so I think I will skip!!

 
[I did treat myself to FM20m, which I am quite enjoying. It’s a bit limited (as you might expect, but I like it that good players getting game time progress very quickly, and also players can be trained to play new positions much more quickly than I remember in FM14. I don’t like the scouting though, no way to filter results or send your scout out to look for specific positions. Just youth or not. Also, you send them to a specific region but all but the odd one here and there are exactly the same and from European top clubs. Also £8 for a sugar daddy!?? Are you having a laugh??? Is anyone stupid enough to pay for that!???]