It can be frustrating to be out of pocket for reasons beyond your control. Everyone reading this will have had a row at some stage with a shop worker refusing to give you a refund because you can’t find a receipt, or your mobile network thinking you definitely did want to pay for that additional insurance you don’t actually need without knowing about it. It’s annoying, unfair and you are often left feeling powerless.
But all these minor annoyances pale into insignificance compared to losing a large chunk of your income and having absolutely nothing you can do about it.
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