Failing to spot one credit bubble is unfortunate, but missing two of the biggest credit bubbles in history within a single decade suggests the problems are more than bad luck.

FORBES: Rethinking Credit Ratings

It is not just a matter of missing the credit.

FORBES: Couple Denied Homebuyer's Credit - You Are Not Your S Corporation And Your S Corporation Is Not You

However, around 1.5m pensioners are missing out, the result of not claiming Pension Credit even though they are struggling on low incomes.

BBC: Cold weather triggers cash help

However, around 1.5m pensioners are missing out as a result of not claiming Pension Credit even though they are struggling on low incomes.

BBC: Cold weather payments in March hit ?4m, says DWP

Barbara Desoer, chief technology and operations officer, recalls telling him in 2005 that a box of tapes containing credit card data had gone missing at an airport stopover.

FORBES: Money For The Masses

Other variations: being one credit short of the number required to graduate, missing a critical court date or having to take an exam in a course for which they never went to class.

FORBES: Six Ways To Save Face When You Are Caught Unprepared

As the most visible face of the mail service, the postie has become a target for much of the public's resentment over late birthday cards, missing wedding invites and overdue credit card statements.

BBC: Are we falling out of love with the postie?