VOUCHERS:With Christmas coming people who want to buy vouchers, as opposed to presents, would do well to stick to One4all vouchers, just in case. There are just too many businesses going to the wall to risk your money. If businesses then opt out of accepting One4all then more fool them in the current business environment. – Dealga

There is a great voucher system in operation all over the world and people should know about it! Vouchers are produced for all of the EU and are accepted in all stores (though not online). They are even transferrable for American vouchers and, in fact, any other country. They are also very easy to get a hold of. Almost every ATM dispenses them and the best thing is that, unlike ordinary vouchers, they don’t go out of date, and unlike ordinary vouchers (where 30 per cent will be unclaimed) they can be used for almost anything. They are like the All4one voucher but can actually be used anywhere. Ask your local retailer or bank about the cash voucher. – Bruce