In one conversation with a confidential informant recorded by investigators, Morejon demanded thousands of dollars in payment for Cuban birth certificates and provided advice about how to answer questions from immigration authorities who might ask why he has a Mexican accent.

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Instead of visiting a branch once every year, spending advice can be pushed through to the payment device itself.

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Businesses are being launched on the mobile platform to provide a wide range of services from medical advice and diagnosis, to pharmaceutical authentication, to payment and finance systems.

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"Borrowers must seek help, preferably before they miss a payment, speaking to their lender or one of the specialist - and free - debt agencies, such as Citizens Advice, " said Jonathan Harris, director of mortgage broker Anderson Harris.

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