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DON'T believe the fake ads on Facebook |
Anyone paying interest on existing credit or store card debt should look at doing a 0% balance transfer. That's where you get a new credit card which pays off the balance(s) for you, so you owe it instead, but interest-free. Yet deals are getting rapidly worse. A year ago you could get 0% for six months longer than now, and this week the head and shoulders top pick for most is about to be pulled (see below). So here are the key tips and best buys. - Find which cards will accept you before applying. Use our balance transfer eligibility calc, which shows which of the top cards you're most likely to be accepted for, without impacting your creditworthiness.
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20 ways to hack McDonald's - it ain't what you buy, it's the way that you order. Our Coupon Kid shares his best nuggets incl 50%+ off Big Macs or McChicken sandwiches in McMoneySaving hacks. But please eat responsibly. Get a FREE £10-£105 to spend at Ikea in its £3 Advent calendar. Hidden inside are vouchers, and there's at least £10 off, with no minimum spend. So you're definitely up, and there are the chocs too. Full Ikea Advent info. Should you do Initiative Q? Martin's view. We're swamped with questions about the new 'payment scheme' that's gone viral. Is it a scam or a fortune waiting to happen? Read our Initiative Q help & analysis. The new energy price cap is NOT £1,137. Many reports (incl the BBC) yesterday wrongly suggested £1,137 is the most anyone will pay for energy after the cap starts in Jan. That is baloney. Read how the price cap will really work. How much do you need to save for your kids to go to uni? Martin's video guide. Whether they're 11 or 17, if there's a chance they may go to university, the likelihood is you need to save for it. Yet how much? See Martin's how much parents should save for uni 5-min video. New. Halifax bank switchers now get £50 upfront, £85 after 6mths + £2/mth - but it's beatable. There's now less upfront from Halifax Reward, but more over year 1, up to £159. It's an improved offer, but don't ignore... HSBC free £200 - £150 upfront and £50 after a year | First Direct free £120 gadget + No.1 for customer service | NatWest free £125 + 2% bills cashback - for a £2/mth fee | M&S free £125 vouchers, NO min pay in - if you pay in £1,250/mth you get £5/mth more | Ending. Barclays free £132 in yr 1 - via £11/mth cashback |
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1. Plevin is all about the huge hidden commission you paid for. Payment Protection was an insurance policy systemically (mis-)sold by banks as an add-on when they flogged different debts. Banks received huge commission from insurers for doing this. After a 2014 court case involving Susan Plevin, regulator the Financial Conduct Authority ruled that if commission was over 50% of the PPI cost and they didn't tell you (they rarely did), you're due the extra back. As average bank commission was 67%, most people who had a PPI policy are due this. For help, see Reclaim Plevin PPI for free. 2. Plevin rules require your debt and PPI to have been active after April 2008. So even if you borrowed before that, if it was still ongoing it counts. There are a few exceptions, so if in doubt, see the full when is Plevin claimable breakdown. 3. You can claim under Plevin, even if you were previously rejected (incl by the Ombudsman). Plevin only became a claimable route on 29 Aug 2017, so if you were rejected for mis-selling before that it's unlikely it looked at Plevin, so you could still be owed. If you did get a full payout before then, you can't double dip so won't get a Plevin payout. 4. If you were mis-sold PPI you get more money than a Plevin claim. PPI was mis-sold as a matter of course. Lenders added it without asking, lied that it was compulsory, sold the self-employed 'unemployment' cover and didn't warn of pre-existing medical condition exclusions - see the mis-selling checklist. If you were mis-sold you get the whole PPI amount back plus interest, not just the commission above 50% as with Plevin. See the free PPI tool to reclaim. Even if you're then rejected for traditional mis-selling, banks must now automatically look if you're due a Plevin payout. |
£25 No7 Beauty Collection make-up set - £76 bought separately. Incl eye shadows and pencil, skin illuminator, shimmer palette, lip gloss and mascara. Boots Star Gift Bought cheap travel insurance? Did it work for you? We're looking to see how happy you were with it. Please fill in our 3min travel insurance survey. 2,000 left. £5 off £15+ train ticket code. MSE Blagged. Excl season tickets & NI. £5 off trains Cheap theatre ticket lotteries. £10-£25 for Hamilton, Aladdin, Matilda, Harry Potter & more. Big West End shows offer cheap tickets to the lucky. Can you win the theatre lottery? £30 Ciaté nail polish Advent calendar code, worth £138 individually MSE Blagged. See Ciaté code. Ends Thu. Vodafone Sims - 3GB, unltd mins & texts '£6.34/mth'. Go via this Vodafone link* for cheap UK Sims (ie, can't call or be used abroad), with unlimited mins, calls & texts, plus claim a £20 Amazon voucher. Get 3GB for £8/mth (factor the voucher in and it's £6.34), or 6GB for £10/mth (equiv £8.34/mth). Full help in Top Sims. |
AT A GLANCE BEST BUYS
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Karen Millen 20% off EVERYTHING code. MSE Blagged. Valid online and in stores till Sun. Karen Millen 2 FOR 1 MOVIES FOR £1 - SUCCESS OF THE WEEK: "Managed to get 2for1 Meerkat Movies and Meals for a year for just £1.05 - thanks." £10 off £15 Buckley London jewellery via code. MSE Blagged. Incl sale & 3for2 bracelets. Bling it on |
CAMPAIGN OF THE WEEK How well do you think parcel services are delivering? Citizens Advice wants to know about your experiences sending parcels, including online and mail order returns. What you share will inform its advice to industry and consumers on best practice. If you want to add your story, take this quick parcel survey. |
THIS WEEK'S POLL How many car insurance comparison sites do you use? In the last week, the Competition and Markets Authority accused Compare The Market of breaking the law by stopping insurers advertising cheaper prices on rival sites. We've always suggested you combine comparison sites to get the cheapest quotes, but do you do it? How many car insurance comparison sites do you use? The relationship between mental health and debts is undeniable. Last week, we asked if mental health affects your debts. Once again, the full results make for stark reading - with those who have (or have had) mental health problems far more likely to experience severe or crisis debts than those who have never suffered. If affected, see our Mental Health & Debt guide for help. |
MONEY MORAL DILEMMA Should my housemate pay me back for my veg he's eaten? He keeps taking vegetables I've bought that are about to go 'out of date', presumably as they'll be past their best before I get to them. Even if technically 'out of date', I often don't mind eating them, yet they're gone. Should I ask him to stop or ask for money to buy new stuff? Enter the Money Moral Maze: Should my housemate pay me back for my veg he's eaten? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: What small debt free wannabe thing will you do w/c 5/11? |
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MARTIN'S APPEARANCES (WED 7 NOV ONWARDS) Thu 8 Nov - Good Morning Britain, ITV, Deals of the Week, 7.40am MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Wed 7 Nov - BBC Radio Cumbria, Money Talks with Ben Maeder, from 6pm |
QUESTION OF THE WEEK Q: My friend told me I could save by switching broadband provider as I've been with my provider for years, but isn't it better to be loyal? Catherine, via email. MSE Steve B's A: Sadly not, loyalty rarely pays. In fact, your price often increases the longer you're with it - and the best deals are usually reserved for new customers. For example, looking at standard speed broadband and line rent, if you're out of contract you can pay up to (a whopping) £545/yr. Compare this to the cheapest deals for switchers, which are often under £200/yr - or even less if you claim the voucher or cashback that many of our best buys offer - and switching could easily save you £350/yr. Pop your postcode into our Broadband Unbundled tool to see the best deals in your area, or if you'd still rather stay put, see our 15 top haggling tips for more information on negotiating a cheap price with your current provider. Please suggest a question of the week (we can't reply to individual emails). |
MARTIN LEWIS ON THE NEW £50 NOTE? That's all for this week, but before we go... with a new design for the £50 bank note on the way, it got us thinking about whose face should be on it. Rick on Twitter suggested our very own Martin Lewis - but as Martin pointed out, that could be an economic nightmare. People would get the note out, see his face and think "nah I probably shouldn't buy that" - the notes would never be spent, recession would follow... catastrophe. Let us know who you think should have the honour of having their face in your pocket in our £50 bank note forum thread. We hope you save some money, |
Important. Please read how MoneySavingExpert.com worksWe think it's important you understand the strengths and limitations of this email and the site. We're a journalistic website, and aim to provide the best MoneySaving guides, tips, tools and techniques - but can't promise to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong. What you need to know This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances - and remember we focus on rates not service. We don't as a general policy investigate the solvency of companies mentioned, how likely they are to go bust, but there is a risk any company can struggle and it's rarely made public until it's too late (see the Section 75 guide for protection tips). We often link to other websites, but can't be responsible for their content. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. Please read the Full Terms & Conditions, Privacy Policy, How This Site is Financed and Editorial Code. Martin Lewis is a registered trade mark belonging to Martin S Lewis. More about MoneySavingExpert and Martin LewisWhat is MoneySavingExpert.com? Who is Martin Lewis? What do the links with an * mean?Any links with an * by them are affiliated, which means get a product via this link and a contribution may be made to MoneySavingExpert.com, which helps it stay free to use. You shouldn't notice any difference; the links don't impact the products at all and the editorial line (the things we write) isn't changed due to them. If it isn't possible to get an affiliate link for the best product, it's still included in the same way. More info: See How This Site is Financed. As we believe transparency is important, we're including the following 'un-affiliated' web-addresses for content too: Unaffiliated web-addresses for links in this email moneysupermarket.com, comparethemarket.com, gocompare.com, confused.com, aviva.co.uk, directline.com, hsbc.co.uk, barclaycard.co.uk, santander.co.uk, vodafone.co.uk, admiral.com, sainsburysbank.co.uk Financial Conduct Authority (FCA) Note MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). MoneySavingExpert.com Ltd is a company registered in England and Wales. Company Registration Number: 8021764. Registered office: One Dean Street, London, W1D 3RB. MoneySavingExpert.com Limited is an appointed representative of MoneySupermarket.com Financial Group Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips. |
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