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Agree in part that high street banks were closing before the pandemic (apologies, my statement was too restricted - difficult to be succinct on the internet sometimes), but the conditions for the rise of challengers was not created by the industry but by the challengers themselves, assisted by...

It is not that straight forward. The starting point of regulation for fraud (unauthorised transactions) is the bank MUST refund the victim, as per Payment Services Regulations 2017, the starting point of regulation very soon will be the same for authorised push payment scams (authorised...

Based on what I could see scanning over the decision, and I am no legal expert, the Appeal Board concluded that Leicester City's accounting procedure for PSR was not completed by the time it had transferred its Premier League share to Luton Town. During the time between the transferring of its...

Regulatory speaking, the UK is the most robust when it comes to compulsory refunding for scam and fraud victims, as well as the most comprehensive Ombudsman service, in Europe. Banks MUST refund unauthorised transactions (fraud), with a very limited scope to decline, and soon banks MUST refund...

As someone with chronic insomnia since I was a teenager, now in my 30s, you have my sympathies. It can really take its toll, so hopefully you are getting some help from your GP.

I've got his Rookie Card

It's really fucking exhausting hearing climate change deniers. Scientific consensus is overwhelming, the warming of the planet is human in origin.

Guess I'm a masochist!

Already been told I am a shit c**t who knows nothing about music, and that's just from mates!

Wouldn't say cringeworthy as much as just patently untrue, he never said he was going to get SISU out. Same reason I hate Oxford chanting about being the greatest team, no you're not, you play in the Championship in front of roughly 11,000 fans.

European Regulation 261/2004 was brought into UK law as per the European Union (Withdrawal) Act 2018, so still in statue. Although, it can now be amended, so not sure on the particulars as it stands to this day.

If you make a claim against your insurance and it is rejected and you disagree, raise a complaint and ensure you receive a "final response letter", which is usually issued within eight weeks of the complaint being raised. Keep a record of all written communication between you and the business...

Yeah. I think I saw him giving Eccles a right earful at one point, but also immediately went over to EMC when his cross aimed at Bassette was cut out to say unlucky. Good balance of encouragement and demanding more from his team mates. I like the look of him so far.

Which was not a penalty, to be fair. The referee making the wrong decision in calling a foul Saturday does not make the referee calling a foul on Dewsbury-Hall correct. Doyle seemed a bit of a dick and probably would have been fine with taking the player and not the ball, but he got the ball...

Would not expect anything less. Robins has always been someone to be honest and open about games. Although, his opinion on the Doyle challenge on Sakamoto seems a tad harsh on the defender, but I think it's his frustration bubbling over due to Tats' injury against Preston.

I'm still pretty certain I'm the only person in the UK who thinks Oasis are nothing more than an "okay" band...

Twitter seems like a bubbling cauldron of pure, unadulterated hate... at least it's free speech, though, eh?

So, you think history is meaningless and not to be a source of learning? You sound seriously naive mate