Back to reality!, FREE '£310' bank switch ending, £185 of Boots No7 for £50, get £500 of credit card freebies, free heritage site visits

Plus... new cheapest 5.8% loans, £1 for 2ndPizza Express, £400 home insurance saving

                                                           

02 September 2025 | View in browser

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THE TOP TIPS IN THIS EMAIL 22 Big September Savers, including... - Delayed flight? Owed up to £520? - Shift card debt to 0% till Aug 2028 - Print your summer snaps for free - Get up to £2,000 childcare support - Reclaim summer job tax/holiday pay New. Get £500 of credit card freebies New cheapest 5.8% personal loans Urgent. FREE '£310' bank switch ending Ends Tue. £185 of Boots No7 for £50 2nd pizza £1 at Pizza Express Warning: Beat rising energy prices - save 15% on bills Expect your mobile to go off on Sunday! Free visits to 6,000+ UK heritage sites 'I saved £415 on my home insurance thanks to your excellent tool' Free 3mth Spotify Premium for newbies Ends Fri. Free £25 M&S voucher on 24mth 0% spending card 'Free' wills in Eng/Wal this Sept Used an eSim? Tell us how you found it In Scotland? And/or live in a park home? Check for £150 energy discount 60% off Abel & Cole fruit & veg box This week's best buys: 4.5% 1yr savings fix, 35GB Sim '£3.89/mth', superfast broadband '£23.80/mth' Money Moral Dilemma: Should I give back an 'accidental' refund? BEST BUYS & TOOLS MSE Cheap Mobile Finder Credit Club including free credit report 0% balance transfers Compare broadband deals MSE Compare+ Car Insurance Best bank accounts Top savings accounts Credit cards for bad credit Credit Card Eligibility Calculator Loans Eligibility Calculator Mortgage comparison Compare travel money Cheap Energy Club Best Sim-only deals

22 September Savers, whether you're in work, have kids, went on holiday, have debts and more Back to school, back to work, back to life, back to reality (& Martin's back too) September is a restart for millions. Many children are donning school uniforms again or for the first time, Parliament is back in session, workplace rosters are back at near full capacity as people return from holiday, and the days are shortening as we leave summer behind. Of course, nowt is universal - Scottish kids have been back for a while, many grown-ups didn't get a break - yet as a nation, it's a deep-breath-and-time-to-get-back-to-it moment. And that includes me, my fingers are dancing on my keyboard again to try and save you money and protect your pockets with a key checklist for you to scan down... 1. Did you have a flight delayed or cancelled this summer? You may be due fixed compensation of up to £520 per person. Our flight delay and flight cancellation rights guides have full info and include free tools to help, but here's a summary of who might be due. And it doesn't have to be this summer, you can go back as far as six years (five in Scotland). To qualify, it must have... - Been on any flight from a UK/EU airport, or a flight to a UK/EU airport, but in the latter case, it must also have been on a UK/EU AIRLINE. - Landed three or more hours late to count as delayed. - Been cancelled less than 14 days before it was due to fly. - Been the airline's fault, so not bad weather, or issues with air traffic control - though airline staffing or servicing issues or knock-on delays due to previous flights usually do count. The amount you are due is fixed depending on the length of the flight and delay. For some family long-haul flights, it can be £1,000s. 2. Putting on a uniform ready for work - are you due a wee tax rebate? If you wear a branded T-shirt, overalls or other uniform for work, which you wash yourself and don't wear elsewhere, you're entitled to a small tax rebate, which is backdateable. Claiming is easy and free to do. See uniform tax refunds. 3. Are you eligible for free insulation ahead of winter? (For those on benefits or in low energy performance homes.) Energy providers and local authorities have funds available to make some homes more energy efficient - if you qualify, get it done before winter hits. Check if you're eligible for free insulation. 4. Child in or starting senior school? Use our calc NOW to see how much you may need to save in case they go to uni. As each new school year starts, your children are a year closer to potentially going to university. Many parents are unaware that, for most, the living loan your child will get when they go is effectively means-tested based on parental income. The gap left by that reduction can be thousands - and in effect, you're expected to fill it! Use our How much should you save for their uni? calculator so you have an idea. 5. Got credit card debt you can't fully pay off? If you pay interest, try to shift it to interest-free till Aug 2028. If you've built up (further) credit card debt over the summer - all too common as people sometimes take a break from financial discipline while on holiday - don't just leave it at high interest. A 0% balance transfer is where you get a new card that pays off your old cards for you, so you owe it instead, but interest-free for a set period. Find which card you've best chance to be accepted for. Our eligibility calc shows your odds of getting each top card BEFORE you apply, minimising applications to protect your credit score. Go for the lowest fee with a 0% long enough to clear what you owe. Longer 0% cards usually have bigger one-off balance-transfer fees, so if you can clear quicker, go shorter. Unsure? Play safe & go long. Usually rejected when you apply? Our eligibility calc also includes poorer credit scorers' deals, and our free Credit Club (available via the MSE App - download it for Apple or Android) can analyse it for you. The longest 0% cards include MBNA's up to 34mths 0% (2.99% fee) and Tesco's 34mths 0% (3.45% fee). With Tesco, unlike MBNA, all accepted customers will get the full 0% length. The longest NO-FEE 0% deal is Barclaycard's up to 14mths, though again, Virgin's 13mths has the advantage that all accepted customers will get the full 0%. If you do get a card, follow my Golden Rules... a) Clear the debt or balance-transfer again before the 0% ends or you'll pay the higher rep APR. b) Never miss the minimum monthly repayment. c) Don't spend/withdraw cash on the card. Full help and info in Best balance transfers. 6. Train delayed on a summer trip (or your regular commute)? Get repaid. If the delay was 15 minutes or more, you could claim up to 100% of ticket costs back. See Delay Repay rights. 7. Is your tax code correct? If not, you could be owed £1,000s. If you're an employee (ie, you work for someone), it's important to understand that legally your tax code is your responsibility to check, not your employer's nor HM Revenue & Customs'. Millions of these are wrong each year. If yours is, you may be overpaying tax and due money back, or underpaying and likely to face bill shock in future. See if it's correct with our Tax Code Checker tool & guide. Michele did and emailed: "I discovered I was paying on every penny I earned, without any allowance. Likely because I'd been self-employed, but I stopped trading three years ago, and my tax code for my salaried employment was not changed. It took an hour on the phone, but I have never earned so much in an hour, I have now been refunded £9,400! Thank you so much Martin." 8. Print your summer memories for free (or cheap). If you've snaps that deserve more than sitting stored as data, see our round-up of photo-printing deals, including 10 free 6" x 4" photo prints and 50 prints for £4.49. 9. About to (re)start paying for childcare or after-school clubs? 800,000 families are missing out on up to £2,000 of free help. There's a scheme that allows 'working parents' of children aged under 12 (under 17 if they have a disability) who pay for childcare to get £1,000s of financial help. It's got the terribly misleading name of 'Tax-Free Childcare', but don't let that put you off. You just set up a Tax-Free Childcare account online, then for every 80p you pay in, the state adds 20p on top, up to a max of £500 'free' every three months (£1,000 for some with children with disabilities). This works even if you're just paying out for childcare via, say, a summer school or after-school classes, as long as they're registered with Ofsted or an equivalent (most are). To qualify as a 'working parent', you, and your partner if you live together, must usually: - Be employed or self-employed. - Earn £10,000+ish a year (equivalent to 16hrs a week on min wage). - Earn under £100,000.01 a year (after pension contributions). - Not be on Universal Credit (if so, see childcare help through UC). 10. Got a child aged under 5 in England? You can now get up to 30 hours of childcare help. Once your child is nine months old, they can get up to 30 hours of state-funded childcare (often called 'free' childcare) until they're school age. It used to be 15 hours for those under three years old. To qualify, you (all criteria apply to both if in a couple) must be employed or self-employed, earning from £10,000ish a year (equivalent to 16hrs a week on minimum wage) up to £100,000 a year (after pension contributions). Some who don't qualify may still be able to get 15 hours a week (the link above explains). Also, see what's available in Scotland, Wales and Northern Ireland. 11. Diarise when your annual travel insurance ends - especially if you've holidays already booked. It's always useful to do this, yet it's critical if you've got a trip booked or you're about to book one, as you could be caught out if something happens that stops you from going on holiday in the time between policies. More help in our cheap travel insurance guides... Annual travel insurance | Over-65s' travel insurance | Pre-existing medical condition travel insurance. 12. Child born between 1 Sept 2002 and 2 Jan 2011? Over half a million people may have forgotten £100s or £1,000s in Child Trust Funds. You (or your child) may have cash lying dormant. It's quick, free and simple to check - watch my 3-minute Child Trust Fund reclaim video briefing as part of our full guide. 13. Find out what you'll take home with our Income Tax Calc. If anything's changed work-wise - a new job, promotion or change of hours - try our Income Tax & National Insurance Calc. 14. Teacher or school staff? Free Headspace, 35% off Ocado, 20% off Wagamama, 5% off Ikea & more. It's back to the classroom, but you can learn how to save with our Discounts for teachers guide. 15. Free car check - oil, battery, wipers etc. (Normally £15.) As the weather turns wetter and colder, there's a way to get Halfords' 10-point car check for free. It examines oil levels, the battery, tyres, wipers and bulbs, and includes a screenwash top-up. 16. Did you (or your child) get a summer job? Claim holiday pay and possible tax back. If you worked over the summer and didn't take time off, you're likely owed. See are you due £100s in missing holiday pay? Do also check you paid the right tax. If the only work you do is in the summer, you're unlikely to earn enough for your income to be over the standard £12,570 personal allowance for the tax year. Yet employers take tax off as if you'd earn the same each month (or worse, you're put on an emergency tax rate). See reclaim overpaid summer tax. 17. FREE financial education textbook - for you or your kids. Financial education has been on the curriculum for years in all UK nations, but it's currently not compulsory for schools to teach it. (I've been speaking to the curriculum review for England about trying to change this.) Meanwhile, if your child's school isn't doing it, you can download the free 150-page PDF of the 'Your Money Matters' financial education textbook. It's designed for key stage 4 (so 14- to 16-year-olds), though some younger children may enjoy it... and many grown-ups learn from it too. More suggestions for other ages in our Financial education guide. 18. Got holiday currency left over? Use the 'friends buyback' method. If you've leftover cash, try to find a friend, family member or colleague who's going where you went. Quickly check the exchange rate to find the main market rate and swap at that. You get a better rate than official buyback and they get a better rate than buying. If you can't find anyone to do this with, our buyback tool on TravelMoneyMax shows where to get the best rates. 19. Overdrawn? See if you can shift Direct Debits to a few days BEFORE you're paid. Move them towards the end of your pay month (eg, if you're paid on the 25th, aim for a few days before), leaving you overdrawn for less time or by a lesser amount to cut costs. Also see nine ways to cut overdraft costs. 20. Before you put your passport and EHIC/GHIC away, check how long they have left on them. Check when you will need to renew your passport now (if it's a while away, get it in your diary to do later). Many countries now have strict validity rules, and if it's due, it's better to be prepared rather than to be in a rush before next summer. While you're at it, check if you need a new EHIC/GHIC (gets free/discounted healthcare in the EU). 21. Don't throw open sun cream away - it may last two more years. There should be a number (eg, 12 or 24) on the back or underside of the bottle next to an image of a lid. The number denotes how many months since it was opened that you can use it for, so write on it when you opened it and you know when it can be used until. 22. And finally... it's time to start saving for Christmas (if you haven't already). While I try to avoid using the C-word this early... it costs some families more than a holiday, so it's hard for most to pay for from December's income alone. Start putting cash aside now - that's better than the nightmare of having to pay each month after Christmas, plus interest, if it puts you in debt. See more saving for Christmas tips, and you could consider a pact to ban unnecessary presents too.

 

 

DON'T believe the fake 'Martin Lewis' or 'MSE' ads Lots of scam ads litter social media and even newspaper websites - some of these lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning.

 

 

 

New. Can you grab over £500 of freebies at no cost? Get a FREE £225 with Amazon, M&S OR 45,000 air miles & more, PLUS £10/mth Deliveroo cashback AND four airport lounge passes This is all about one credit card, the American Express (Amex) Preferred Rewards Gold (links via our eligibility calc, so you can check acceptance odds & apply if they're good). It's done a big temporary boost to its newbie bonus, which now means play it the right way, and you can grab over £500 worth of freebies at no cost. Not everyone can get it though, as if you've had a personal Amex card within the past two years, you won't get the bonus. It's targeted at 'Middle Britain', as you need total (family) normal shopping & spending of over £850ish/mth. So here are the freebies & how you play your card right... Only do this if you'll always pay the credit card off IN FULL each month, preferably by Direct Debit (so you don't miss it), so that way it's interest-free. Otherwise the 29.7% annual interest can dwarf the rewards. FREEBIE 1: Bonus worth £225 with Amazon, M&S, air miles & more. Open the Amex card now and you get the bonus if you spend a total of £5,000+ on it within the first six months. That doesn't mean you should be doing any special spending, the idea is to just shift normal spending from other plastic to it and, provided that's £850ish or more a month, you'll hit the trigger amount. If that's a bit much and you're in a trusting relationship, you could make your partner a 2nd cardholder, so they do their spending on it as well to qualify. Of course, still pay it all off IN FULL each month to avoid interest. When you do hit the £5,000 trigger, you'll get 40,000 bonus points (normally it's 20,000 points) plus the usual 5,000 points (it always pays 1 point for every £1 spent). So in total, that's at least 45,000 points, enough to be exchanged for... - £225 in eg, Amazon, M&S or Currys vouchers or Sainsbury's Nectar points. - Or 45,000 air miles with Avios, Virgin, Etihad and other airlines. - Or hotel points at Hilton (90,000 points), Marriott (67,200 points) or Radisson (135,000 points). FREEBIE 2: Two £5 Deliveroo cashbacks a month (worth up to £120/yr). Once you get the card, go to the 'offers' section in the Amex app or online banking and save this 'Deliveroo' offer. Then use the card to pay for Deliveroo (min spend £5), and you'll get £5 automatically credited on the first two orders a month. FREEBIE 3: Four free airport lounge visits a year (worth around £50 each). You don't need to do anything to get these visit passes, they are automatic and should come within six weeks of acceptance, and you can use them in many airport lounges worldwide (they last a year from acceptance). The card is FEE-FREE in year one, but is £195/yr after that (so diarise if you want to cancel). While the Deliveroo and airport lounge pass rewards renew each year, you won't get another intro bonus points boost, so diarise to cancel before the first anniversary of acceptance if you don't want to see the cost ramped up to £195 a year. When we say pay off IN FULL, we mean IN FULL, not nearly in full. The words IN FULL are Martin's catchphrase for a reason. If you spend £1,000 in a month and clear the card entirely, there's no interest. Spend £1,000 and pay off £999.99, and you usually pay interest on the whole £1,000, not just the 1p left.

 

Urgent. £310 bank switch bribe ending - get £190 cash & a £120 reward. Newbies switching to the TSB Spend & Save* current account get: A) A FREE £100 provided you log in to the app and use its debit card five times by 22 Sept - hence why speedy switching is crucial. Just buy five separate bananas if it's a rush. B) AND A FREE £15/mth for 6mths provided you use its debit card 20 times a month (not an issue for most, think of all those contactless pings). C) PLUS £120 hotel credit (to use at an Expedia sister-site) if you use its debit card 20 times during Feb 2026 - its way of encouraging you to keep the account until then. Full eligibility criteria and details of the two other accounts that pay you to switch in Best bank accounts. Ends 11.59pm today (Tue). Extra £10 off Boots No7 Advent calendars, eg, £185 beauty & skincare £50. It's early, but these Advent calendars are loaded with beauty items you may usually buy (or are worth splitting to give as gifts). There's a £60 calendar with £185 of products or a £175 calendar with £310 worth of products. Order tonight for £10 off, or tomorrow (Wed) and it's £5 off. No7 beauty calendars Pizza Express dine-in 2nd pizza £1. Full details on how to save some dough in Pizza Express deals. Warning: Energy Price Cap to RISE 2% in Oct, so ditch it! Lock in a 15% cheaper rate for 15mths. If you're not already on a fix or special deal, you're almost certainly on a Price-Capped tariff. The Cap's going to rise 2% on 1 Oct and is currently predicted to rise further over the next year. So the easy solution to get peace of mind and substantially undercut the Cap is to fix and lock in a far cheaper price - rates are currently up to 15% less than the Oct Cap. To find YOUR cheapest: It depends on where you live and what you use. Use our speedy Cheap Energy Club comparison. Expect your mobile to go off at 3pm on Sunday! Be prepared for a test of the Govt's emergency alert system. FREE visits to 6,000+ historic buildings & heritage sites UK-wide. Many that are normally closed or usually charge open for free on some days in Sept, including National Trust sites, castles, film/TV locations. See Heritage Open Days. 'I saved £415 on my home insurance after years of just renewing - thank you.' Success of the week. After seeing our home insurance price alert last week, Dan emailed: "I'm your worst nightmare - I always renew my insurance. On the same day I read your email, I got my renewal. It'd gone up from £679 to £813. I bit the bullet and used your excellent Compare+ tool. I opted to improve my current cover, resulting in a premium of £398. A saving of £415 for a superior product. Why, oh why, did I not listen to you years earlier? Thank you." If we've helped you save, please tell us about it.

 

 

BLAGGED FOR MSE - 60% off first Abel & Cole fruit & veg box Ends 26 Sept	DID YOU MISS? - Uncover up to 60% off Amazon 'like new' returns with our tool - Ben & Jerry's ice-cream tub & two pizzas £5 (£14 separately) - 2for1 at 380+ gardens until April (eg, Leeds Castle) in £8 mag - Get an extra £30 cashback when spending £5+ online

 

 

The UK's cheapest personal loan rates are now 5.8% Bank of England rate cuts are feeding into the market, cutting some loan costs In theory, the Bank of England cuts UK interest rates in order to try and stimulate the economy, making saving less attractive (so people spend more) and borrowing cheaper (so people take loans and spend them). Now we'd never encourage you to borrow willy-nilly, but if you NEED to borrow (and need means need), and want the certainty of fixed repayments, costs are coming down. Our Cheap loans guide has full info, but here are the key need-to-knows in brief... The UK's cheapest fixed-rate personal loans. Always go via our must-use Loans Eligibility Calculator (all links below go via it too), as it helps you home in on the lenders most likely to accept you, protecting your credit file by minimising applications. All these loans are unsecured, which is a good thing, as it means they can't automatically look to take away your home if you don't repay (secured means security for the lender, a bit like a mortgage). Here are the best buys by loan amount... - £1,000 to £2,999: Zopa (via John Lewis) 9.9%. Santander 13.5%. For lower amounts, say under £3,000, you may find 0% credit card loans work out significantly cheaper. - £3,000 to £4,999: New. Tesco Bank 9.8% (needs free Clubcard). Novuna 9.9% (9.7% on £4,000 to £4,999). - £5,000 to £6,999: Santander 6.9%. New. Tesco Bank 6.9% (need free Clubcard). - £7,000 to £7,499: People's Choice 6.5%. Santander 6.9%. New. Tesco Bank 6.9% (need free Clubcard). - £7,500 to £25,000: New. Tesco Bank 5.8% (need free Clubcard). People's Choice 5.8% (only on £15,000 to £20,000). You can now sometimes find out what rate you'll get via the eligibility calculator. All these loans are 'representative APR', meaning sadly only 51% of accepted applicants need to be given the advertised rates (others accepted can be charged more, without limit). However, some lenders now offer guaranteed rates via the eligibility calc, meaning you'll know the specific rate you'd get before application. With MBNA, for example, some will be offered a guaranteed 5.8% for larger loans. PS: While generally you should minimise borrowing, if it's just below a threshold where rates get cheaper (eg, £7,499 is 6.5% and £7,500 is 5.8%), borrowing just above the threshold can means you repay less. See loan rate loophole for help. ONLY borrow if it's NEEDED, budgeted for & affordable. Loans need careful thought. They are best for a deliberate, planned, budgeted-for one-off expenditure with lasting gain (eg, repairing a broken kitchen, not booking a holiday). Ask yourself whether you really need it. If not, don't do it. If unsure, don't do it. If it is right for you, then do a budget to ensure you can afford the repayments, and aim to repay as quickly as you can, as that cuts costs. - Doing it to consolidate other debt, eg, credit card debt? See Martin's is consolidation worth it? briefing. - Already struggling with debt? Ignore this - go straight to our debt help guide. - Looking to cut the cost of car finance? See our car refinancing guide for help. How lenders decide who to lend to... As with all lending, when you apply you'll be credit-scored to see if you've been a good credit citizen. Each lender scores you differently based on its own wish list of what is a profitable customer. Yet less known is that lenders also do an affordability score (using your income from your application form, so do include every penny - but don't lie) to see whether you can actually afford to repay. And with loans, affordability is far more important than with, say, credit cards, because you're applying for a specific amount, eg, the same lender may accept you for a £3,000 loan but reject you at £10,000. MSE's free Credit Club (available via the MSE App on Apple and Android) shows your credit and affordability scores and helps diagnose any issues. Plus, a version of our eligibility calc is within the Club. Can you cut the cost of EXISTING loans? With rates lowering, it's worth checking to see whether you could cut your loan's cost, especially if you previously had a poorer credit score than you do now. The start point is to find a loan with a cheaper APR than you've got. If you can do that, it's important to do further key checks as there can be early repayment penalties. Our step-by-step Cut existing loan costs guide will take you through how to decide.

 

Spotify deals: FREE 3mths to new Premium (ad-free) users, or 2mths for £6 (normally £24) for returning users. See our Spotify tips. Ends Fri. Free £25 M&S voucher on its 24mth interest-free spending card. The M&S Credit Card 24mth 0% new spending deal already makes it the second-longest interest-free card for new borrowing. Yet newbies applying by Friday, who then make 5+ purchases totalling £250+ within the first 30 days, get a £25 M&S voucher on top. The card also gives M&S reward points, so you could get it just for the voucher & the points if you pay it off IN FULL each month. Alternatively, if you NEED to borrow for a planned purchase, and you can clear the debt within two years, nothing is cheaper than 0%. Golden rules: Repay at least the monthly min & clear the card before the 0% ends, or you pay 24.9% rep APR interest. Never withdraw cash on the card. Full info and alternatives in 0% purchase cards. 'Free' wills in September via Octopus Legacy (Eng & Wales only). It hopes you'll leave a bequest (something in your will) to one of 150+ charities, but it's not compulsory. Though unlike other free or cheap will charity schemes (two are due in Oct & Nov), these aren't solicitor-drafted. Full info in Octopus Legacy. Used an eSim on holiday? Tell us how you found it. We'll use your answers to refine our eSims guide. In Scotland? Or live in a park home? £150 Warm Home Discount scheme opens. While some in Scotland get it automatically, others need to apply and a handful of suppliers have now opened applications. You can also apply if you live in a park home in Eng, Scot or Wal. Don't delay, as it's first come, first served. See Warm Home Discount. 60% off first Abel & Cole organic fruit & veg box, from £9 with delivery. MSE Blagged. Then 50% off your next two - though you can cancel any time (available in most of England & parts of Wales). Veg out

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: MBNA (check eligibility) up to 34mths 0%, 2.99% fee, 24.9% rep APR interest No-fee 0%: Barclaycard (check eligibility) up to 14mths 0%, 24.9% rep APR interest Best bank accounts Ends Mon. Free £100 + £15/mth for 6mths: TSB Spend & Save Free £175 + top service: First Direct 1st Account Broadband top picks Fast fibre (100Mb+): Vodafone '£20.34/mth' Superfast fibre (500Mb+): Sky '£23.80/mth' On Universal Credit or similar? Check all discounted social tariffs Cheap insurance Car: Use our Compare+ Car Insurance tool Home: Try our Compare+ Home Insurance tool Cheap loans £5,000 to £7,499: Santander (check eligibility), 6.9% rep APR interest £7,500 to £15,000: Tesco Bank (check eligibility), 5.8% rep APR interest (must have a Clubcard) Top savings accounts Top easy-access savings: Chase 4.75%, min £1 (newbies only) Top easy-access cash ISA: Trading 212 4.38%, min £1 Top one-year fix: Chetwood Bank 4.5%, min £1,000 Top energy deals Use our whole-of-market Cheap Energy Club Cheap Sims Up to 3GB data: Lebara, '£3.20/mth' for 3GB 4GB to 9GB data: Lebara, '£3.45/mth' for 5GB 10GB+ data: Lebara, '£3.89/mth' for 35GB

 

 

MSE NEWS - Top story: School uniform grants: Check if you can get up to £200 from your council

 

 

MONEY MORAL DILEMMA Should I give back the 'accidental' full refund I got for an item I wanted to return? I bought a footstool from China for £250 on an online marketplace. When it arrived, it wasn't at all the same as the one listed, so I requested a refund. Because returning it would cost the seller a lot, after much negotiation I very reluctantly agreed to keep it and be refunded 25%. Two days later, I was automatically refunded the other 75%. The seller then contacted me to say this was an error and asked me to return the money. As the listing was misleading and I wanted a refund in the first place (and it's my right to a full refund), should I keep it? Or since I agreed to 25% and have kept the footstool, should I return the extra cash? Enter the Money Moral Maze: Should I give back my 'accidental' refund? | Suggest a Money Moral Dilemma (MMD) | View past MMDs

 

 

MARTIN'S APPEARANCES (TUE 2 SEPT ONWARDS) Thu 4 Sept - Ask Martin Lewis, BBC Radio 5 Live, midday Tue 9 Sept - This Morning, extended studio appearance, ITV1, 10am

 

 

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