The top 20 rip-offs of all time

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Birthday cards, takeaway pizza and train tickets are among our most hated rip-offs.

Paying full price for a train ticket when the journey is delayed and you have to stand up the whole way in a hot stuffy carriage is not only my idea of hell but also a total rip-off.

Of course there are ways to avoid paying these costs, but if you've got to get somewhere urgently, without prior-warning, there's little option but to cough up for the over-priced ticket.