ON the warning to Christmas shoppers to get savvy on credit card purchases ahead of Black Friday and cyber Monday after research revealed that millions of pounds in valid refunds are not being given by credit card providers.

Posted by Phyllus Jones: Black Friday: a day of no significance to British culture, rather, artificially-created by US big businesses to complement the Thanksgiving Holiday and make money. As with Halloween, another symbol of the American way imported into the UK solely for profit. Part of the ‘McDonalidisation’ of the UK - as well as the rest of the world.

On the criticism of MP Neil Carmichael for voting against legislation aimed at protecting tenant landlords.

Posted by Adie: Although pubs closing is a great loss to our communities, maybe BBC presenter Mark Cummings should be focusing on the fact that under the Tories almost 18 million people are unable to afford adequate housing, while one in three do not have the money to heat their homes in winter.

Thousands of sick or disabled people have died after being assessed to find out whether they were fit to work and tens of thousands have been hit by the so-called bedroom tax even though there are no smaller properties for them to move to.

Also more than 500,000 Job Seekers Allowance claimants have disappeared from unemployment statistics, without finding work, since the sanctions regime was toughened in October, 2012. If people don’t have enough money to survive they wont be spending anything down their local.

On the sacking of milk round supervisor Shaun Dadds for appearing on the Jeremy Kyle Show.

Posted by kjag23: Well he got eight weeks of free marriage counselling, which could cost thousands of pounds.