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Some eco-improvements are such bad value they could take as much as 70 years or more to return the initial cost.
When Paul Davidson mentioned to his pet insurer that his address had changed, his premium shot up. His story is typical of the postcode lottery plaguing pet owners across the country.
The City watchdog warned that debt packager firms are cashing in by manipulating customers' income and spending records. The Gales were contacted by a firm that offered to help them.