Like yourself Alan I tend to find the financies a tad complicated but my financial guru on these matters, he"s English bye the bye, assures me that our "better together" friends have worked out various methods whereby the Barnet consequencials can be circumvented and that is why we can end up paying two or three times for the one service.
You or I doing as they do would be taken up by the long arm of the law and incarcerated for fraud.