But when a claim comes into a private company it is entered into the computer system, which performs several routine checks.

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People could be also be shown how to leverage public online computer programs to build technology skills while simultaneously increasing their efficiency performing routine tasks such as household budgeting.

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In particular, the Home Office which was criticised for giving "apparently contradictory reasons" for not allowing the OFT routine access to the information contained in the police national computer and the Criminal Records Bureau.

BBC: Crooked lenders 'not being stopped'