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The terms and conditions read out at breakneck pace at the end of radio adverts, usually in the hope that you won't listen and absorb the full horror of the 56 monthly payments you'll be lumbered with or that you could 'lose your house' if payments aren't kept up or the extortionate interest...

Seriously? ???

Two years clean now and so liberating it is. Those who use it aren't exactly in a position to gripe about the amount of shit on there really.

The great British public