You can also read this article at The Sunday Times Online (Note: A Times online membership is required to read the entire article): http://www.thesundaytimes.co.uk/sto/business/money/Consumer/article1677073.ece

You can also read this article at The Sunday Times Online (Note: A Times online membership is required to read the entire article): http://www.thesundaytimes.co.uk/sto/business/money/Consumer/article1632576.ece