![](https://pixel.app.returnpath.net/pixel.gif?r=8bc6952e6a606dddf03dc0296ed21ba80f6d9f9b&c=efed56aac7404741be7b92b148a59175)
|
|
|
|
---|
DON'T believe the fake 'Martin Lewis' or 'MSE' ads |
New. Top 0% credit card and/or easy free cash 1. Grab a FREE £25 cash. 2. Then, if needed, you also get 20mths 0% on new spending too
|
I'll start with a ta-ta, for now, from me (Martin). For the next few weeks, I'm taking a mini-sabbatical, to focus on family, fitness, some Olympic watching, and recharging my batteries, as there's a lot to do this autumn & winter and I want to be on form to help. So the next few emails and the site will be in the overly capable hands of the MSE team. ENDS 11.59pm WED. FREE £175 to switch to top service bank + 7% reg savings + 0% overdraft. Last week we predicted First Direct's* FREE £175 would end soon. Now it's confirmed. The account got a 91% 'great' service rating in our last poll, has a linked 7% regular savings account you can put up to £300/mth in, and many get a £250 0% overdraft. Or, if you get this in time, you could grab Club Lloyds' FREE £175 switch bonus + perks (eg, 12mths' Disney+) before it ends at 11.59pm tonight (Tue). Full info in Best bank accounts. Starts Fri. B&Q 10% off most items. In stores & online. See how via B&Q 10% off. Stop press: Car finance mis-selling decision delayed to May 2025 - but get a complaint in NOW. Nearly two million people have complained via our free complaint tool but possible payouts have been delayed as the regulator, the FCA, has just said it won't rule until May 2025 (it was due Sep 2024), and firms will have until Dec 2025 to deal with complaints. Martin's had conversations with the regulator and been told: "Based on our work so far, [redress intervention] is more likely than when we started our review" - so while slower, payouts are more likely. See car finance delay news. Free £3.50 organic cereal, free £3 beer, free £2 pretzels, plus more coupons. July's 50+ coupons. Ends Thu. 132Mb Virgin broadband '£21/mth'. MSE Blagged. Switchers in 60% of UK homes can now get this 132Mb Virgin broadband & line deal for £26.50/mth, plus an automatic £100 bill credit, making it equivalent to £20.95/mth over the 18mth contract. Can't get Virgin? See MSE's broadband comparison for other options. Martin: Can shops and online stores refuse returns? Lots of talk on this, but Martin explains your rights. Warning - don't fall for the estate agent hard-sell on brokers and solicitors. They CAN'T force you to use their in-house services, though we know many try, using tactics that skirt the law. Your rights, and what to do if an estate agent tries it, are in our new Estate agent hard-selling guide. 5 steps for EVERYONE with credit card debt to slash costs... incl 0% POOR CREDIT deals. It was huge last week... and if you missed it, here are 5 steps to cut your debt costs. We explain that our 0% Cards Eligibility Calc includes special 'poor credit scorer' cards - offering up to 16mths 0% (top credit scorers can get up to 29mths). New. Cheapest 100GB Sim - '£6.67/mth'. Newbies to Smarty (uses Three's network) can get 100GB/mth of data for £10/mth, and CLAIM a £40 Amazon voucher (after six months). Factored in that's equivalent to £6.67/mth. It's a one-month contract, so you can cancel anytime. Want a different network? Use our Cheap Mobile Finder. New pod. 800,000 miss £1,000s in childcare help | Your big questions answered: Save or overpay mortgage? Pensions for kids? Can savings boost your credit score? etc. A must-listen pod as Martin answers your burning questions before taking a wee summer break. Listen via BBC Sounds | Apple Podcasts | Spotify (or wherever you get your Martin fix). PS: While Martin's off, BBC Radio 5 Live will be running some of his 'best-of' pods. |
| |
---|
News: Winter Fuel Payments will no longer be paid to all pensioners We've long urged all lower-income pensioners to check if they're due Pension Credit. Now it's even more important. Yesterday, Chancellor Rachel Reeves said the up to £300/yr annual Winter Fuel Payment currently given to all pensioners in Eng & Wales will be restricted to only those on means-tested benefits - the main one for over-66s being Pension Credit. Yet there are 800,000+ over state pension age who are eligible but don't claim. So we've quickly put together this crucial reminder, for you, and for anyone you know who may be eligible. First, though, here's Martin's view on the Winter Fuel Payment change...
2. Pension Credit has a superpower... it's a gateway entitlement triggering many other boons. If you're entitled to the Guarantee Credit element, this also entitles you to a host of other state protections, including - as we've already discussed - the Winter Fuel Payment this winter.
There's also free dental care, vouchers for glasses and more - see full Pension Credit gateway benefits. |
First sub-4% mortgage since April launches - but will others follow suit? See our mortgage rate analysis. £37 Ted Baker prescription specs or sunnies (normally £135). MSE Blagged. Via SpeckyFourEyes code. Car boot sales - how to make money (and have fun) selling unwanted stuff. MSE Jenny H is an old hand at car boots - so she's sharing tricks that've worked for her, from bumbag planning to holding your haggling nerve. Boot-iful Students, parents, teachers - buy an iPad or Mac and get up to 10% off, plus a free up to £120 gift card. Apple isn't MoneySaving, but if you're buying anyway, this is a cheaper way. Take a bite out of Apple's prices Carpetright falls into administration - your rights explained. Orders, warranties, gift cards and more. Carpetright |
AT A GLANCE BEST BUYS
|
THIS WEEK'S POLL Are you on a fixed or a variable energy tariff? At the height of the energy crisis, 90% of households were on a standard variable tariff with prices dictated by the Energy Price Cap. But with the energy market slowly coming back to life and cheaper fixed tariffs available, we want to know whether you're on a standard variable tariff or whether you've fixed - and if so, how long you have until it ends. Vote in this week's poll. Chase and Starling tie for top banking service. Last week, we asked you to vote in our biannual banking customer service poll, and over 6,220 people responded. Of the banks with more than 75 votes, Chase was once again at the top of the table, this time tying with Starling, with 95% of customers rating both banks as 'great'. First Direct was close behind, at 91% 'great'. Meanwhile, Barclays was bottom of the pile, with 35% of customers rating it 'poor'. See full poll results. |
MONEY MORAL DILEMMA Should I keep the delay compensation I got for the train ticket I'm claiming on expenses? I travelled to a meeting of an organisation I'm a member of by train, and I'm entitled to claim the cost of my fare on expenses. The train on the way there was delayed by 15 minutes so I made a Delay Repay claim and received £9 compensation. Once the expense is processed, I'll get the full cost of the fare back too. Do I keep the compensation as it's intended to make up for my wasted time, or offer it to the organisation as it paid for the ticket? Enter the Money Moral Maze: Should I keep delay compensation? | Suggest a Money Moral Dilemma (MMD) | View past MMDs |
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 edfenergy.com, firstdirect.com, tescobank.com Financial Conduct Authority (FCA) Note MONY Group Financial Limited is authorised and regulated by the Financial Conduct Authority (FCA 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 MONY Group Financial Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips. |