In the old days we either telephoned someone for a quick answer to a question, or sent a letter which focused the attention of the recipient. Now huge volumes of emails fly across the net, and we're left waiting days for an answer. It may be cheap, but is it productive? Also — People think that debit cards are as safe as credit cards or direct debit authorities — until something goes wrong. And, if it's a continuous payment authority given to an overseas supplier, there's very limited protection available, beyond FCA guidance. Background music: 'Communicator' by Reed Mathis

Published: Mon 27 November 2023