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<p>Last year, 84 companies here went into liquidation including local retailer, Shop Electric. Its dramatic closure in November left many people without their goods and their money just before Christmas. What have we learnt from this? Would we know how to protect our money if it happened again?</p>

<p>Punctuality, Value for money and Convenience are what passengers want from public transport. These are the findings of Translink’s independent research into passenger satisfaction released today (17 September).</p>

<p>Nearly half of us feel embarrassed if we have to make a complaint and consumers here are more reluctant to complain than those in Great Britain – being unsure of their rights and lacking confidence are common.</p>