http://www.mirror.co.uk/money/dwp-shut-68-jobcentres-across-10747868 There is a full list of the branches to be divested in the link above.

http://news.sky.com/story/fca-says-750000-mortgage-customers-could-net-compensation-payout-10623570 I dont think this is or was a blunder - it was a deliberate action by the mortgage companies.

Hi, I had an Egg loan way back in 2004 for £10k. Egg added £1,750 to the loan for PPI making the total I signed for £11,750. Cutting a long story short I ran into financuial trouble in 2008 but made an arrangement to pay reduced amounts (actually ignorant of the existance of the PPI - I'd forgotten I had it - and Egg conveniently forgot to remind me.... but no matter). However, when I became aware in 2010, I started asking difficult questions eventually culminating in Direct Legal & Collections writing to say to stop paying. The total remaining debt (including the PPI premium) was then just under £1,650 (ie around £100 less than the PPI) I haven't paid anything since 2010 (at the point of writing all of this would become statute barred anyway in 53 weeks' time). I have received a letter from Arrow Global who say I owe £1,650 and they want the money, etc, etc, etc. I am pretty sure from what I read way back in 2010 that where someone like me borrows a sum of money (in this case £10,000) and then another amount of money for an associated financial product (in this case, the PPI for - £1750) then they need 2 separate credit agreements; one for the ten grand, the other for the PPI. The thing is, I can't find the references to the legislation. For clarity, I signed just 1 agreement for a total of £11,750 but that mentions incorporating PPI in the total. Can someone (should I be right in recalling this, of course) please explain for me what piece(s) of legislation support me in my belief that this is unenforceable. ie that I should have had 2 agreements - one for £10,000 and the other for £1,750. I want them for my own peace of mind and to perhaps put in a letter telling Arrow Global to go away outlining why. Thanks for any help anyone can offer