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....StepChange highlighted young people and renters as increasingly vulnerable, with many needing to borrow to cover the most basic everyday bills. Bailey told the Guardian he had visited debt charities across the UK and that many people were facing difficulties with“frontline debt” such as council tax and utility bill arrears. ... [Read full article on Guardian ]
Monday 18th of September 2017 05:34:39 PM
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Latest Finance News related to Arrears

Britain's debt time​bomb: FCA urges action over £200bn crisis image
Source : Guardian [Read Article] Monday 18th of September 2017 05:34:39 PM
....StepChange highlighted young people and renters as increasingly vulnerable, with many needing to borrow to cover the most basic everyday bills. Bailey told the Guardian he had visited debt charities across the UK and that many people were facing difficulties with“frontline debt” such as council tax and utility bill arrears. ...
A £7,600-plus service charge on my flat above a shop is bankrupting me image
Source : Guardian [Read Article] Friday 1st of September 2017 12:17:45 PM
.... The good news for Thompson and her neighbours is that after Guardian Money intervened, Heinz told us that reduced service charges are being finalised, so their bills “will be considerably lower than they anticipated”. Historic service charge arrears will also be written off. ...
Provident Financial in race to fix technical problems and retain staff image
Source : Guardian [Read Article] Wednesday 23rd of August 2017 01:16:12 PM
....Several of Provident’s 800,000 home credit customers told the Guardian they have been badly affected by the company’s problems. Jacqueline Goddard, 62, from Boston, said no Provident employees had come to collect payments for four weeks and she is now in arrears. ...
Getting to grips with a £32,220 student debt – and how you can lighten the load image
....The SLC has been plagued with reports of administrative blunders, with some graduates reporting that errors have left them out of pocket, sometimes by thousands of pounds. Recent problems have included graduates continuing to make repayments after their loan is cleared, while others face demands from debt collectors with claims their account is in arrears. ...
Socially responsible retailers aim to end the ‘rent-to-own’ rip-off image
Source : Guardian [Read Article] Saturday 5th of August 2017 05:59:04 AM
.... But there has long been criticism of the high cost of items and the steep interest rates charged: a March 2016 report from the Financial Inclusion Centre thinktank stated that rent-to-own customers “can easily find themselves paying three times as much for goods and services than they would from more conventional retail outlets”. A couple of months after that, the Financial Conduct Authority (FCA) said that following its intervention, the three firms had agreed to make major improvements to their product affordability, price transparency and arrears handling. ...
Graduate anger mounts over ‘nightmare’ Student Loans Company image
Source : Guardian [Read Article] Saturday 29th of July 2017 06:00:43 AM
.... However, last year it all changed and I found myself being contacted by representatives from a company called Transcom, a debt collection agency. My outstanding balance suddenly included a £930 arrears,” he says. ...
Santander cuts back lending amid Bank of England concern over personal debt image
....” He added that non-performing loans (where customers have fallen behind payments) stood at just 0. 48% of the unsecured book of lending, and that mortgage arrears remained very low. ...
AstraZeneca boss Pascal Soriot's 'pivotal' year is turning out horribly | Nils Pratley image
.... Banks’ ability to confess to fresh “conduct” issues seems limitless. Lloyds’ out-of-leftfield announcement was a £340m bill for giving redress to customers who were mistakenly hit with fees when they were in arrears on mortgage payments. ...
Lloyds to pay £300MILLION compensation to customers: Are YOU owed money? image
Source : Daily Express [Read Article] Thursday 27th of July 2017 11:28:00 AM
.... The banking giant admitted it didn't always do enough to understand customers’ circumstances to make sure their repayment plans were affordable. Following the involvement of the financial regulator, Lloyds will now refund all fees charged to customers for arrears management and broken payment arrangements over the seven years. ...
Lloyds takes fresh £1bn hit from PPI compensation claims image
Source : Guardian [Read Article] Thursday 27th of July 2017 08:29:53 AM
....In addition to the £1bn PPI charge, the bank set aside another £540m in the first half. This includes a previously announced £100m for compensating customers hit by the HBOS Reading fraud for which two former employees were jailed in February and other issues, including the misselling of packaged bank accounts – where insurance and other products are bundled into current accounts – and compensating customers whose mortgage arrears were mishandled. ...
Will cheap car loans steer Britain to a financial crash? image
Source : Guardian [Read Article] Saturday 8th of July 2017 06:00:00 AM
.... Maybe you are so hard up you can’t afford to put down a penny in deposit. Maybe your credit history is littered with arrears notices. ...
Hold the Shard-enfreude – a house price drop is not about to happen | Patrick Collinson image
.... The twin horsemen of the property apocalypse are called unemployment and interest rates. A steep rise in joblessness automatically translates into arrears and repossessions, as households fall behind with repayments. ...
MPs and charities urge car leasers to publish sub-prime loan figures image
. MPs and debt charities have called on the car leasing industry to reveal the number of people in arrears and defaulting on loans, amid fears that consumer lending is returning to levels seen before the 2008 financial crash. ...
Greek debt: IMF and EU's quick fix isn't enough | Mohamed El-Erian image
Source : Guardian [Read Article] Thursday 22nd of June 2017 08:29:31 AM
.... But they seem unable to act. With Europe and the IMF failing to agree, Greece has been robbed of the additional funding it needs to clear domestic arrears and meet its rather large external debt-service payments in July. ...
UK workers are cheated out of at least £1.5bn a year in holiday pay image
Source : Guardian [Read Article] Monday 19th of June 2017 03:07:12 PM
.... They were supposed to be paid every 15 days, but the payslips would come at least 10 days late, and then the amount that actually went in to their bank accounts would be different again, making it hard to track. Antonio Amato worked as a chef in the kitchen at the east London restaurant and told us arrears of his wages reached £800. ...
Are cheap car loans the vehicle taking us to the next financial crash? image
Source : Guardian [Read Article] Saturday 10th of June 2017 03:00:29 PM
....There is also the concern that the banking industry, which provides much of the underlying finance, is offering the same platitudes as it did before the 2008 crash. The vast majority of loans are rock solid, it says, except the industry has failed to introduce a standard way to calculate customer arrears and repossessions, which means that the 3% sub-prime figure could be bigger. ...
Scottish Power in the dark about my mother’s electricity supply image
Source : Guardian [Read Article] Wednesday 31st of May 2017 06:00:16 AM
....83 of these charges. Your mother is therefore only liable for arrears of £141, which Scottish Power has also cancelled as a goodwill gesture. ...
'I can't pay the rent' image
Source : BBC [Read Article] Saturday 27th of May 2017 11:07:29 PM
....She would like the next government to tackle rising rents, and unscrupulous landlords who rent out properties that are not safe. "I would also like them to take another look at the shared accommodation rate plan which is undoubtedly going to result in people getting into rent arrears and even becoming homeless. ...
LEASEHOLDER heavily penalised after honest payment slip    image
Source : Daily Express [Read Article] Monday 22nd of May 2017 07:54:00 PM
....Flat owner John Harding’s astonishment quickly turned to fury when he got the £369 demand from Rendall and Rittner and a solicitor’s letter on the grounds he hadn’t contributed his share towards agreed building works.  “I’ve never been in arrears, always pay promptly and every document shows I was even willing to pay in full upfront for the renovations, rather than in instalments,” John told Crusader. ...
Drive carefully – I can see a credit car crash up ahead | Phillip Inman image
....But this sharp rise in debt-fuelled car purchasing should be cause for worry. A steep rise in car loan arrears and repossessions is already fuelling concern about another crash in the US. ...
London rents fall sharply as monthly bill drops across UK image
Source : Guardian [Read Article] Friday 28th of April 2017 06:01:03 AM
....5% in the year to February 2017, knocking nearly £100,000 off the average price in the district at the heart of Britain’s financial services industry. Your Move also said that the proportion of tenants in arrears increased month on month. ...
Ignore the nanny-state claims – credit card firms need to help those in long-term debt | Nils Pratley image
.... While the plastic works fine for most people, credit card debt has become more like a high-interest personal loan for the 3. 3 million in persistent arrears. ...
The car-loan boom isn’t the housing bubble. But there still might be a crash image
.... Refinancing was easy as long as the base rate remained low. Once the Federal Reserve began raising interest rates, it become financially crippling to refinance a mortgage and arrears began to creep upwards. ...
Watchdog finds £3bn in child support arrears may never be collected image
Source : Guardian [Read Article] Tuesday 28th of March 2017 05:01:19 AM
....According to a National Audit Office (NAO) report, three-quarters of the £4bn in payments owed by absent parents – some dating back more than 20 years – are considered “uncollectable” by the Department for Work and Pensions. A further £527m of arrears is described as “potentially collectable” while just £366m is assessed as being “likely to be collected”, it says. ...
The Crusader: London removals firm fails to deliver clients' belongings image
Source : Daily Express [Read Article] Monday 27th of March 2017 12:01:00 AM
.... . It is in arrears with its accounts filing and a director, Ivaylo Minkov Ivanov, also appears to have run other firms in liquidation, including one called, ironically, Clean N Gone. ...
Shoe retailer Brantano goes into administration with 1,000 jobs at risk image
Source : Guardian [Read Article] Wednesday 22nd of March 2017 05:41:07 PM
.... But Barrell said: “Regrettably, it is inevitable that there will be redundancies. Staff will be paid their arrears of wages and salaries, and will continue to be paid for their work while the business is in administration. ...
Some bailiffs 'still abusing powers', debt charities say image
Source : BBC [Read Article] Tuesday 14th of March 2017 12:03:59 AM
.... . "Local authorities have a key role to play in stamping out bad practices - by treating people in arrears fairly and ensuring bailiffs are only ever used as a last resort. ...
Austerity anguish image
Source : BBC [Read Article] Sunday 26th of February 2017 01:54:38 AM
. In normal times, in a normal country, court proceedings over mortgage arrears would not be the stuff of headline news. ...
Lloyds reports biggest profits since financial crash image
Source : Guardian [Read Article] Wednesday 22nd of February 2017 08:49:43 AM
....Last year the PPI charge was £1bn, down from £4bn a year ago. However, the bank set aside a further £1bn during the year for other compensation payouts, including a new £475m bill for mis-selling packaged bank accounts and to compensate mortgage customers whose arrears were miscalculated. ...
Sub-prime cars: are car loans driving us towards the next financial crash? image
Source : Guardian [Read Article] Friday 10th of February 2017 03:29:36 PM
.... Cars will be handed back to the manufacturers, potentially inflicting large losses on them. Another worry is “delinquencies”, which refer to falling into default or arrears on a loan. ...
Home repossessions at lowest level since 1982, figures show image
Source : Daily Express [Read Article] Thursday 9th of February 2017 12:00:00 AM
....Ultra-low mortgage rates have been keeping borrowers' mortgage payments relatively affordable. The CML also said the number of mortgages in arrears fell during the course of 2016. ...
If we’re going to tackle the evils of renting, at least do it properly | Penny Anderson image
....It should become customary for tenancies to last for years, decades, or even an entire lifetime (unless there is severe misbehaviour on the part of tenants). Nicola Milner, a former landlady of the year I once interviewed, has never evicted a tenant for arrears; rather she negotiated a repayment plan. ...
Halifax is chasing a debt on a house my wife left 20 years ago image
Source : Guardian [Read Article] Wednesday 25th of January 2017 07:00:31 AM
.... She left the property in 1997 and advised Halifax of her new address, but her ex refused to take her name off the mortgage. The mortgage fell into arrears and the house was repossessed in 2007 selling for £12,000 less than the loan. ...
'There's a danger of a generation who can't afford to retire' image
Source : Guardian [Read Article] Monday 23rd of January 2017 08:05:59 AM
....“I have friends who, in their 60s, work as care assistants or cleaners. They are on their feet all day, struggling to earn enough to pay the rent, often in arrears, with the attendant threat of eviction … These are lovely, brave, very very very hardworking people – and with every passing month, their lives get harder and more frightening. ...
Whistleblower wins 13-year campaign against HSBC image
Source : Guardian [Read Article] Friday 20th of January 2017 01:17:13 PM
....The case involves HFC and John Lewis Financial Services customers who were struggling with their credit card payments. The FCA said that between 2003 and 2009, those who fell into arrears were referred to the firms’ solicitors, who added 16. ...
Nearly 700 firms fined total of £1.4m for not paying minimum wage image
Source : Guardian [Read Article] Friday 6th of January 2017 12:29:40 PM
....The penalty is on top of the previously announced £3. 5m in owed wages these 687 employers – which also include a Huddersfield branch of discount chain Poundstretcher and the Dudley division of listed construction group Interserve – have paid in arrears to thousands of staff. ...
Wonder why so many BHS workers are relying on charity? Here’s what we face | Grant Atterbury image
.... I was somewhat taken aback by their inability to backdate the claim by a couple of weeks, as they seem to have little trouble doing so when dealing with overpayments. The second letter was from the local housing group letting me know that my rent was in arrears to the tune of almost £350 – and that this needed to be paid within seven days of the date of the letter (despite their offices being closed from now until 3 January), or steps would be taken to repossess my home. ...
Number of care workers on zero-hours contracts jumps to one in seven image
Source : Guardian [Read Article] Thursday 17th of November 2016 01:59:53 PM
....Blomfield also criticised HMRC for not having a formal process to revisit employers who had flouted minimum wage laws and for dealing only with the complaint of the employee who had raised a concern about their wages – rather than checking the payments received by all employees of offending firms. In a letter to Jane Ellison, financial secretary to the Treasury, the MP says: “From the 36 social-care employers that have been named and shamed to date, 21 of these employers have had just one worker identified as being owed arrears. ...
Britain is drowning in a mountain of debt but not all hope is lost image
Source : Daily Express [Read Article] Sunday 13th of November 2016 12:01:00 AM
....The average UK adult now owes almost £30,000, up £1,000 in a year, as record low interest rates encourage Britons to load up on cheap credit. Around 87 per cent of this is mortgage debt secured against property and there are worrying signs that arrears and repossessions are beginning to increase, despite today’s record low rates. ...
Are YOU getting a refund? 750,000 mortgage customers set for compensation image
Source : Daily Express [Read Article] Wednesday 19th of October 2016 04:14:00 PM
. More than 750,000 people have had arrears lumped in with their monthly mortgage payments, found the industry watchdog. ...
Thousands of borrowers with mortgage arrears could get compensation image
Source : Guardian [Read Article] Wednesday 19th of October 2016 11:49:10 AM
. Around 750,000 struggling mortgage borrowers could be due compensation after the City regulator found lenders had made mistakes in the way arrears were collected. ...
Thousands of mortgage arrears customers to get redress image
Source : BBC [Read Article] Wednesday 19th of October 2016 10:45:49 AM
. Hundreds of thousands of consumers in arrears on mortgage payments may be eligible for compensation, after a ruling by the regulator. ...
DW Fitness Clubs won’t let me cancel my membership image
Source : Guardian [Read Article] Sunday 9th of October 2016 06:00:04 AM
.... The email never arrived. We then began to receive emails informing us that our direct debits had not been paid and that our membership was in arrears. ...
Only three out of 700 firms prosecuted for paying below minimum wage image
Source : Guardian [Read Article] Wednesday 28th of September 2016 05:00:56 AM
....The business minister, Margot James, who has responsibility for the enforcement of low pay laws has conceded that the prosecution rate is “a small number” and is “an issue that causes me concern”. According to the National Audit Office, the number of workers identified as being owed arrears more than doubled from 2014-15 to 2015-16, rising from 26,000 to 58,000. ...
Archbishop's prayers answered as payday loan firms brought to book image
Source : Guardian [Read Article] Tuesday 20th of September 2016 07:08:59 PM
....But what has happened to the desperate borrowers once hooked on short-term loans? There is little evidence, yet, that legal doorstep lenders such as Provident Financial have picked up much of the business, or that illegal loan sharks have flourished. Some people have simply stopped borrowing, said Packman, but others have gone into deeper arrears on rent and utility bills. ...
South East 'leads rise in rental costs' image
Source : BBC [Read Article] Thursday 8th of September 2016 11:06:20 PM
....". Tenants' finances worsened in July, with 9% of tenancies having arrears of a day or more, up from 8. ...
New TV licence to watch BBC iPlayer turned into a costly drama image
Source : Guardian [Read Article] Tuesday 6th of September 2016 06:00:51 AM
.... A TV Licensing spokesperson said: “New customers choosing to pay by monthly direct debit pay for the first year’s licence in six months. On this scheme, customers pay for their first licence over six months and thereafter pay half the fee for their [next] licence in advance and half in arrears, spreading the payment across 12 months. ...
Firms named and shamed over failure to pay minimum wage image
Source : BBC [Read Article] Thursday 11th of August 2016 04:18:05 PM
....The government has publicly named almost 200 companies who have failed to pay the minimum wage to employees. The list of 198 firms owed a total of £466,219 in arrears and included football clubs, recruitment firms, care homes and hairdressers. ...

Government shames celebrities' favourite restaurant for failing to pay minimum wage 
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....A popular London restaurant frequented by sports stars and celebrities has been called out by the government for failing to pay their workers the national minimum wage. In the its largest list of its kind the government has named and shamed 198 companies who owed £466,219  to their employees in arrears over the past year. ...

How can Britain justify propping up Mugabe?
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Source : Telegraph [Read Article] Tuesday 9th of August 2016 06:00:00 AM
.... Britain has been promoting a refinancing package to ensure his debt-ridden government can pay off £1. 4 billion of arrears owed to multilateral donors. ...

MPs ask Mandelson to explain Zimbabwe visit
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Source : Telegraph [Read Article] Sunday 7th of August 2016 04:37:49 PM
.... In particular, he needs $1. 1 billion (£800 million) to clear Zimbabwe’s arrears with the World Bank, a move that would open the way for a bailout from the International Monetary Fund (IMF) when its board meets in September. ...

How Mandelson met Mugabe's finance minister months before Zimbabwe's $1.1bn loan plan
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....Unable to pay civil servants or run its own ministries, Mr Mugabe’s regime is desperately trying to raise $1. 1 billion to settle its arrears with the World Bank. ...
Ofgem energy shake-up 'doesn't go far enough' image
Source : BBC [Read Article] Wednesday 3rd of August 2016 06:32:40 AM
.... At the moment, these customers pay an average of £220 a year more than those on the cheapest deals. Asima Khan, a single mother, is one such customer who was put on a pre-payment gas meter by her supplier when she went into arrears 18 months ago. ...
Crown Estate makes record £304m Treasury payout image
Source : BBC [Read Article] Tuesday 28th of June 2016 08:29:00 AM
....This year the Queen received a grant of nearly £43m, currently calculated as 15% of the Crown Estate's profits. The Sovereign Grant, which is paid two years in arrears, is reviewed every five years. ...
Mike Ashley admits Sports Direct staff were not paid minimum wage image
Source : Guardian [Read Article] Tuesday 7th of June 2016 05:44:45 PM
....Experts said that the minimum wage admission now raised the prospect of hefty fines for the company. Businesses that have breached the legislation can be forced to pay arrears to workers, as well as being fined up to 200% of those arrears. ...
First-time buyers would benefit from Brexit, says Moody's image
Source : Guardian [Read Article] Thursday 19th of May 2016 07:16:05 AM
....Moody’s also warned that self-employed people in Britain would be more at risk than employees from fluctuating pay in the event of Brexit, potentially affecting their ability to make mortgage repayments. The agency said that should a vote to leave the EU have a bigger negative impact on the UK economy than it is expecting, mortgage arrears would increase among self employed borrowers. ...
MP criticises lengthy waits in some minimum wage complaints image
Source : Guardian [Read Article] Tuesday 10th of May 2016 11:01:43 PM
....20. The NAO said that since the government started enforcing the national minimum wage in April 1999, HMRC had identified £68m in arrears for more than 313,000 workers. ...
MP criticises lengthy waits in some minimum wage complaints image
Source : Guardian [Read Article] Tuesday 10th of May 2016 11:01:43 PM
....20. The NAO said that since the government started enforcing the national minimum wage in April 1999, HMRC had identified £68m in arrears for more than 313,000 workers. ...
Lowdown on Barclays' 100% mortgage, a new online bank and news on rent rises image
....Call to make recruiters responsible for housing migrant workers safely. Record numbers in council tax arrears. ...
Record numbers of people in council tax arrears, say charities image
Source : Guardian [Read Article] Tuesday 3rd of May 2016 11:01:11 PM
....Record numbers of people are falling behind with council tax payments, according to debt charities, which are calling for an halt to increasingly “aggressive” use of bailiffs by cash-strapped local authorities. Leading debt adviser StepChange said typical council tax arrears among its clients have jumped to £961 compared with £717 in 2011. ...
‘Steel runs through the veins’: Teesside suffering profound loss of identity image
....As his family’s main earner previously, with a disabled brother and a mother who has reduced her hours at work for health reasons, he too is feeling the financial pinch. “The mortgage is now in arrears, I’ve probably got enough to pay my car this month and that’s about it to be honest,” he said. ...
Universal credit cuts to lose low-income families up to £200 a month image
Source : Guardian [Read Article] Sunday 10th of April 2016 01:27:07 PM
....Ministers have said households affected by the changes could work extra hours to make up the difference, but charities have said that will be impossible in many cases, and that the cuts will push more families into poverty. The introduction of the cuts, which will be felt in May because universal credit is paid a month in arrears, comes as the new work and pensions secretary, Stephen Crabb, prepares to make a speech on Tuesday setting out the government’s social security agenda in the wake of the resignation last month of his predecessor Iain Duncan Smith. ...
Struggling generation rent is being driven into debt image
Source : Guardian [Read Article] Monday 4th of April 2016 08:52:38 AM
....Debt charity StepChange says the number of renters contacting it with difficulty paying off debt in the four years to 2015 more than doubled, rising 139%, in exclusive figures given to The Observer. The average sum owed is £10,829 each, made up of unsecured debts including overdrafts, loans, credit card debt and rent arrears – which have reached an all-time high of £922. ...
Payouts to 'Buy as You View' customers image
Source : BBC [Read Article] Tuesday 22nd of March 2016 11:30:14 AM
....Compensation is to be paid to 59,000 customers of Buy as You View, which rents out furniture, TVs and other electronic goods on hire purchase. The City watchdog, the Financial Conduct Authority (FCA), raised concerns about the clarity of fees and the treatment of customers in arrears. ...
Mortgage lending shakeup could push up cost of borrowing image
Source : Guardian [Read Article] Monday 14th of March 2016 07:27:01 PM
.... It has also asked for formal powers to rein in the market. Moody’s said that the current low unemployment and low-interest rate environment had held down arrears for buy-to-let mortgages and would not affect the credit quality of the lenders it rates. ...
'Prices are rising at a terrifying rate': the rent worries that keep you up at night image
.... I’ve been homeless in the past and the trauma of it never quite leaves you. I’ve been to the doctor about stress caused by rent worries and I am now being treated for depression due to a) my poverty (the rent arrears are only part of it) and b) my apparent inability to change our situation – despite strenuous efforts over the last few years to find work. ...
Benefit changes make it harder for homeless to rent property, says Crisis image
Source : Guardian [Read Article] Thursday 25th of February 2016 06:01:25 AM
....When it surveyed local authorities around the country, 84% said that over the past five years it had become more difficult for single homeless people to access private renting. The main reason landlords said they were unwilling to rent to homeless people was a perceived risk of rent arrears – almost three-quarters said they believed they would need to do more management of the property. ...
Former boss of Mastercard, Thomas Cook and First Direct to head AvantCredit image
Source : Telegraph [Read Article] Monday 15th of February 2016 05:00:28 AM
.... Raj Singh is the lender's UK managing director. HSBC’s former head of retail collections – a business which manages arrears and loan collections – John Uphoff is also joining AvantCredit’s board as a non-executive director. ...
UK bad bank scraps plan to sell mortgage process unit image
Source : Telegraph [Read Article] Monday 1st of February 2016 06:02:10 PM
.... . The 1,700 staff servicing mortgages at UKAR in Sunderland and West Yorkshire will now work for Computershare, and UKAR will pay the firm based on the number of mortgages being serviced and the proportion which are in arrears and so require more work. ...
QuickQuid lender wins watchdog's stamp of approval image
Source : Telegraph [Read Article] Sunday 31st of January 2016 06:16:16 PM
.... . The firm reassessed every loan made since April 2014 that fell into arrears of more than 30 days, and found that 3,940 customers were lent too much. ...
Google's tax deal with the UK: key questions answered image
Source : Guardian [Read Article] Friday 29th of January 2016 06:22:19 PM
.... Using the most conservative assumptions, the OECD believes big business is shifting profits and eroding the tax receipts of economies around the world at a cost of £65bn-£160bn a year – equivalent to between 4% and 10% of global corporation tax revenues. Why is Google paying tax arrears? Did it get behind with its accounting?. ...
Changeover to universal credit is driving people into long-term debt | Lizzie Presser image
....“It’s like it’s set up for you to fail,” Clarke says. “I want to get into work, but they now want me to spend money searching for jobs within 90 minutes of home, for 25 hours each week, when they’ve deducted my money and I’m worse off than ever – when I’m in arrears. ...

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