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The deal you sign when you agree to pay by installments is that the club effectively buy the ST for you at the full price and you pay off this loan via the interest free Direct Debit scheme. It's not like cancelling a magazine subscription via DD or something similar because you haven't paid...

And what was to stop you getting another job in another industry until you could find another one in the IT profession? There is work out there if your prepared to do it but too many are unprepared to take anything to make ends meet. Plenty of cleaners jobs, nursing homes jobs etc out there if...

The most frightening redundancies are those where your employer goes bust completely. Often they come straight out of the blue, without advance warning of any kind. And naturally you’ll wonder whether you are going to get any of what you would normally have been entitled to during a redundancy...

Silly question, but since when does being made redundant mean that he couldn't just go out and find another job, the redundancy pay-off should tide him over until he starts working again? - Or is he expecting to never work again?