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    The Community Pay-Back team do indeed do excellant work and of course it's all free labour, with most of the materials used, being donated.

    Credit Unions is the word I was looking for on my earlier posting; they are official community banks and make affordable loans to people who are needy, maybe a bit above Banks, but only by about 2 or 3 percent. Certainly better than these scumbags - can't think of a more suitable word.





    Roger

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