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  1. Avoid getting any credit card from Vanquis. My experience is they are unethical and do not care about UK credit regulations. I have had nothing but un substainated charges applied to the card up to £1000. They claimed mistakes and errors and keep saying they will refund but instead keep adding charges. I had to make one claim when I paid a deposit for flights to Spain but the agency I paid to went bust, ATOL advised me Vanquis should refund the costs. I applied to Vanquis who said they would freeze interest and charges. Instead they charged double interest for going over limit + fixed charge of £51 for going over limit and then claim they did not receive my application for a refund and say it is too late to dispute it now even though the transaction is less then 30 Days old. The staff on the phone have been extremely rude, they keep you holding on and pass you department to department at premium rate calls. It has cost me another £100 just trying to talk to them. I have raised a complaint with financial regulatory body and provided details of my case. I would avoid them at all cost.
  2. Check out the readers comments on the Daily Mail's latest 'have a go at the workshy' article http://www.dailymail.co.uk/news/article-2187039/Benefit-cheats-bonanza-Jobcentre-Plus-staff-pay-claimants-documents-just-shopping-lists-letters-saying-dont-job.html People are wising up to the spin, there aren't enough jobs to go around and everyone knows it.
  3. Bosses preside over 'moral quagmire', says business secretary, as Barclays chief Bob Diamond is summoned to face MPs. Vince Cable has urged shareholders in UK banks to rise up and purge their companies of corrupt executives, who he says have allowed "systemic abuse" to take root in the banking system. The business secretary, writing in the Observer, says it is now clear that no one at Barclays Capital, the investment bank that triggered the market-rigging scandal, is prepared to take responsibility for endemic corruption, so the ultimate owners of banks must take matters into their own hands. Describing the problems in UK banking as "a moral quagmire of almost biblical proportions", Cable says the government is taking urgent action, including creating a clearer separation between "casino-style investment banking" and retail banking on the high street. Ministers will this week begin a review into the Libor system under which banks lend to each other and Cable hints that US-style criminal sanctions, such as the threat of prison terms, could be considered against those who abuse it. But he says shareholder power will be crucial. "Regulators are a backstop: they don't own banks," he writes. "The governance at the top of our leading banks has been shown to be lamentably weak. No one at the top of Barclays will take responsibility for systemic abuse. "Shareholders, the owners, have a major responsibility here. I am bringing in legislation to strengthen their control over pay and bonuses, through binding votes, but shareholders have to get a stronger grip on weak boards and out-of-control executives." Shareholders have already opposed the pay package of Sir Martin Sorrell, the head of advertising giant WPP, while Trinity Mirror boss Sly Bailey and Aviva's chief executive Andrew Moss quit following opposition from investors. Some shareholders were also unhappy with the remuneration package offered to Tesco's senior management in light of the supermarket's recent performance. Cable says he is determined to encourage "cultural change" throughout the system. He cites the takeover by the not-for-profit Co-operative Bank of a large chunk of the Lloyds bank network as a model for a future system. More: http://www.guardian.co.uk/business/2012/jun/30/vince-cable-shareholders-bank-cheats
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