Hitesh Pabari rang from Jessica’s Mini Supermarket in Sparrows Herne, Hertfordshire, to put the world to rights.

He had views on several topics I’ve touched on lately such as Camelot’s new rule of shutting you off for a failed D/D and leaving you off till the next one goes through okay - he says Smiths News does the same - and on dealing with energy companies, call centres (put the phone near the radio and wander off) and on car insurance, coffee machines and Sports Direct. Left my notebook looking like a passage out of James Joyce.

But the Mastercard scam (see story above) would never have happened to him.

It’s Chip and PIN or nothing. Not contactless either. “I won’t take them because anyone can spend £30 and then claim it back.”