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Also, large amounts of methane, a powerful greenhouse gas, can be emitted during the shale gas exploration and production. These environmental risks need to be managed by good practices which is not being applied by all the producers in all the locations.Enforcing stronger regulations are necessary to minimize risk to the environment and on human health.But the business should take the cashback into account when it is deciding what would be fair redress, because the consumer would not have received the cashback if they had not taken out the PPI policy in the first place.Our approach in these circumstances is set out below.If the cashback payment is less than the extra payments the consumer has paid, then the consumer will receive the balance of the extra payments as a cash payment.But the position is more complicated if the cashback payment is more than the extra payments the consumer has paid.We look at all the circumstances of a case to determine what represents fair redress.When we uphold complaints about the sale of PPI, redress can include the restructuring of an account as well as a payment of compensation.

The regulator has published guidance that also requires businesses to take this approach when they are dealing with PPI complaints.The US domestic natural gas price hit a 10-year low in 2012.The US domestic natural gas price in the first half of 2012 was about per million British Thermal Unit (BTU), compared with Brent crude, the world benchmark price for oil, now about $ 80–100/barrel, or –17 per million BTU.Extraction of natural gas from shale rock in the United States (US) is one of the landmark events in the 21st century.The combination of horizontal drilling and hydraulic fracturing can extract huge quantities of natural gas from impermeable shale formations, which were previously thought to be either impossible or uneconomic to produce.

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We have seen some lenders withholding cashback payments where there is a complaint, either against themselves or a finance broker.

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