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Listening

1. Listen to the news and note down two services that M&S is going to offer.

2. Listen again and decide if the sentences are true or false. Correct the false ones.

Speaking

1. Which do you prefer: lending or borrowing money?



2. What would you do if you came into a lot of money out of a sudden?



Reading

Read the texts taken from adverts and leaflets and answer the questions.

1. Voucher codes are a great way to save money – we offer various voucher codes throughout the year, including:

1) free delivery voucher codes

2) discount codes – more money off

3) free gift vouchers

What is a voucher?



2. Spend £20 either in store or online on our grocery websites and receive a £5 off voucher for your next £40 shop*. If your qualifying spend is online you can redeem your eCoupon online.

What does "redeem" mean?



3. In the United Kingdom, Value Added Tax (VAT) is charged on many goods and services. If you are visiting from another country you may be entitled to a refund of the VAT on goods you buy from shops that offer Tax Free Shopping.

When can you get your VAT back?



4. Hire Purchase agreements are different from ordinary credit agreements. With an HP agreement there are certain rules which apply, including:

1) you can‛t sell the goods until the money‛s paid off

2) creditors can ask you to return the goods if you don‛t make regular payments

What is Hire Purchase?



Writing

You bought a pair of trousers last week. When you came home you noticed that one of the pockets is torn. You took them back to the shop but the shop assistant did not want to replace them as they were out of stock or refund the money as the trousers had been sold at a discount price.

Write a short letter of complaint explain the problem and asking to settle the matter (100 – 120 words).