well I have found these army's to be very annoying also , so what I do is just pay them, it usually costs you 1500-2000 and the funny part is , that you don't lose ANY gold at all , this is a bug I guess.I find it very tough fighting Swadian deserters with armies of 20-30 crossbowmen. They kill my knights and so, like Kraxis said earlier in this thread, I avoid giving battle to them.
Don't know if any one else has experienced this ( BTW I'am still playing the trial version )
As for army mix, I usually go all infantry with a couple of skirmishers,with these kind of army's I have beaten lot's of army's mostly Khergit Raiders ( because they are all horse army's easy to beat when bogged down )
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