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Hello, some virgin active gym members are being pursued by debt collectors after they cancelled their direct debits for fees to gyms they couldn't attend because of the pandemic.

And why are banks refusing to open accounts for newly

formed charities and community groups? But first, farewell, furlough. The government's coronavirus

job retention scheme ends today, October the 31st. From tomorrow, it's replaced by the

job support scheme, which comes in two flavours, depending which tier or level of restriction,

applies in the area where the business is located. Now, of course, there's the prospect of further

restrictions on us being announced, and if the Chancellor doesn't give businesses more support,

there is a real possibility of hundreds of thousands of redundancies before Christmas.

Susan Raftery is a senior advisor at ACAS, which provides independent advice on workplace rights. Susan Rafferite, are you seeing growing numbers of people worried about redundancy coming to you?

Yes, we are, Paul. We've actually, on our helpline, realised that between June and October this year, we've had 40,000 more calls about redundancy, and that's from both employers and employees.

But what sort of rise is that?

It's about doubled. It's about doubled, it's about doubled on year on year from last year.

Wow. And how does somebody qualify for redundancy? Somebody's in work, they're threatened with redundancy. What can they get?

They need to have been employed for two years, and provided they've been employed for two years,

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