Autosaving app Chip to charge new fees from October
5 August 2020
It's possible to slam the metaphorical door in the face of junk mail, phone calls, texts and emails in minutes. Sadly there's no perfect route to stop intrusive sales garbage, yet you can minimise it with a few steps, including our Trading Standards-approved 'no cold callers' sign.
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New rules mean firms offering to help claim compensation for mis-sold PPI or if you've been injured in an accident have been banned from contacting you if you have not previously opted in to receiving such calls.
While this is a good step in the right direction, there are a few things you can do to help in the fight against those other pesky spam calls, to stop them from reaching you.
If you don't want to receive marketing calls, sign up your home phone and mobile to the Telephone Preference Service (TPS). It takes about 28 days for calls to stop.
It's then illegal for firms in the UK and the rest of the EU to call those who've registered, unless you'd opted in to receive them (including if you ticked the often confusing "allow third parties to contact me" box when filling in an online form).
TPS may also stop distressing calls intended for a deceased relative.
How to add your number to the register depends on if it's a mobile or landline:
TPS is a register, not an automatic blocking device. While being on it means you'll no longer receive cold calls from more reputable companies in the EU, it's unlikely to deter rogue firms.
TPS also won't stop automated messages – no matter how legit the firm is or where it's based. If you're receiving recorded messages and you haven't given prior permission for these, you can complain to the Information Commissioner's Office (ICO) on 0303 123 1113. Give it as much info as you can, including the organisation's name (if you've got it), the number the call came from, the date and time, and what they were flogging.
If you're being plagued by calls that ask you to phone a premium rate number (eg, for competitions), complain to regulator Phone-paid Services Authority (PSA) - formerly known as PhonepayPlus.
Frustratingly, many spam calls originate from outside the EU, and there's little that can be done to stop them. So be firm, but polite, don't engage, just tell them to remove you from their lists, and that you will never buy anything from them.
It's worth reporting the calls to ICO anyway, as they might be able to do something.
If you're with BT, you can now opt in to 'Call Protect', a free, recently launched service that filters spam calls and stops them getting through to your landline. It protects you in three ways:
Blocked calls will be directed to a 'junk' voicemail box which you can check (or ignore) to your heart's content – but crucially your phone won't ring at all.
To opt in for free, call 1572 from your BT landline or sign up via BT's landline features webpage (it can take up to 24 hours to activate). For more info on how to use it, see the BT free spam calls filter MSE News story.
If you're fed up with unsolicited calls, texts, emails and post from charities asking for donations, then there's a service will let you opt out.
Registering with the Fundraising Preference Service (FPS) will allow you to block fundraising communications from any charity. But you'll need to specify every charity you want to block - you won't be able to simply opt out of all charity contact.
You can register for the service by entering your name and contact information on the the FPS website, or calling 0300 3033 517.
You'll then have to identify the specific charities you no longer want to hear from - it's not possible to simply opt out of all charity communications. If you're doing this online, you can search for the charity via its name or registered charity number, which should be displayed on all its promotional material.
The FPS says you can block a maximum of three charities in any one online request, though if you want to block further charities you can submit a new request and this can be done on the same day. Alternatively you can block as many as you like with one phone call.
See the New service to opt out of charity cold calling MSE News story for full details.
Silent calls, when you pick up and hear nothing, can be generated by automatic equipment in call centres. If you're getting them, register with the free Silentcall-Gard service. You must renew your registration every 12 months.
It adds you to a database used by the major telemarketing firms and makes clear you don't want to be contacted, so should cut the number of silent calls. If the calls continue, you can complain to Ofcom, which can fine companies. Here's what to do:
After the call, dial 1471 and see if you can get the number.
Complain to Ofcom online. In 2013, the regulator fined phone and broadband provider TalkTalk £750,000 for plaguing customers with silent and abandoned calls.
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There are two different types of junk mail: letters with your name and address on, or those without but still distributed by Royal Mail. Both can be stopped, and if the letters have your name on it, you've got the right to tell the organisation to stop sending them to you.
If you write to the company, once they receive your letter, they must stop sending you the unwanted mail. There's other ways to stop junk mail too.
All members of the Direct Marketing Association agree to a code of practice not to send junk mail to any individual who has indicated they don't want it.
To stop the junk, simply join the Mail Preference Service (MPS) register. It takes up to four months for the service to take full effect, although you should notice it kick in before then.
Phone: 0207 291 3310
For unaddressed leaflets, flyers and other junk, the Royal Mail has the online door-to-door opt-out, which will stop it delivering to you. Bear in mind this stops all unaddressed items from being delivered, including Government leaflets.
It takes about six weeks for the items to stop arriving, and should last for two years. You'll need to opt out again after this.
Phone: 0345 266 0858
There's nothing more frustrating than people knocking on your door when you don't want to be sold things. Remember, you don't have to let them in.
To help, we've designed a free-to-print, Trading Standards-approved 'no cold callers' sign. While the print-out is colour, it's designed for easy printing in black and white too. Click on the images below to print them out.
It may be a criminal offence
Guidance we've had from Trading Standards says ignoring a sticker may be a criminal offence under the Consumer Protection From Unfair Trading Regulations 2008. While it's not been tested in court, a QC agrees so we've added it to our sign. If they knock when they shouldn't, there can be no argument.
Where to stick it?
The best place is on your front door, but as it's a print-out, the colour may run. Tape over the small one, or put it in a clear plastic folder and stick that up. Or if you've glass doors, stick it on the inside.
When we polled MoneySavers, a huge 42% said charities think no cold caller signs don't apply to them, and 39% said religious groups too.
If you don't want 'em either, we've special MSE 'no cold callers' signs. If they knock and you open the door, just point at the sign before politely closing it. Note though, these aren't Trading Standards-approved, as they aren't traders.
It may be a criminal offence for traders (not charities or religious groups) to ignore cold calling signs under the regulations on our sign.
If they persist, complain to the company and to Trading Standards through the Citizens Advice consumer helpline (03454 04 05 06) – it deals with enquiries and complaints on behalf of Trading Standards.
Energy mis-selling on people's doorsteps used to be rife – you might have seen some of the big six energy suppliers in the headlines having been charged massive fines. For more info see our Energy mis-selling guide.
The big six energy firms have ceased doorstep selling. But if you're approached, don't switch on the doorstep or listen to energy sales pitches.
Changing supplier after being approached is the worst way to switch energy – do it right via MSE's free Cheap Energy Club comparison tool.
Not only does it find your best deal, it monitors your tariff to tell you when to switch again, if a cheaper tariff emerges in future.
So if the cold caller persists, note down their name and employee number and report them to the company. You may be able to get compensation.
If you want to cancel, you're entitled to get any money back, including a deposit, after which you need to return any goods in reasonable condition within 14 days of your cancellation (although you may need to pay for the return delivery).
Similar rights are available for buying online or by phone. See the Consumer Rights guide.
Remember, you don't have to let them in.
Ask to see the salesperson's official ID and find out exactly where they're from.
Don't sign anything, even if they're only offering a quote.
A trader must advise you in writing that you can cancel any contract. If they don't, they can't hold you to anything in the contract.
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Spam texts are a modern scourge, plaguing our mobile phones with unwanted adverts and offers, often from dodgy companies. But you can fight back, report them, and minimise the number you get.
There are three main types, and the way you deal with each is different. We've done some hardcore research into it, and have a seperate Stop Spam Texts guide to help.
'How can I stop spam?' is a million-dollar question which, sadly, has no million-dollar answer. There isn't really a solution that works perfectly.
Blocking spam is a balance. There are many software packages that help to do it, but ultimately it's a trade off between losing legitimate emails (like MSE's weekly Money Tips Email) if they're incorrectly filtered, or getting more emails and manually deleting spam.
Spammers are often one step ahead of the game, making it very difficult to keep a lid on. Remember, spam works. Someone, somewhere is clicking on it – even if it's just one person in a million, it may mean a spammer makes money.
The best way to start deleting spam is by using the tools available from your own email provider; spam filters and rules are reasonably effective at blocking spam. You can discuss tips with other MoneySavers on the Techie Stuff forum board.
These are far less of a plague than they used to be as faxes aren't as common these days. But you can opt out of junk here yet again, with (you've probably guessed the name now) the Facsimile Preference Service register. It takes about 28 days after registering for all unwanted faxes to be stopped.
Phone: 0345 070 0702
Programs such as Faxtastic allow you to receive faxes via your PC. They give you a special number and your faxes are converted into emails, so if it's junk there's no need to print it out. These companies hope you'll upgrade to their paid software, which allow you to send faxes.
With the free version, the number people have to fax you on is an 0872 number, which can be costly from some providers. Normally we rail against these (see our Say No To 0870 guide), yet as this provides a service, it works well. However, do let non-junk sending people know the cost, as effectively they're subsidising your free fax machine.
Also, to keep Faxtastic active you must receive at least one fax every 90 days, or you'll lose your allocated fax number and will have to re-register.
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Even if you do everything listed above, it won't be a foolproof solution to junk calls and mail. Yet it's still well worth trying – registering for these services should still reduce the calls and junk mail you receive and it definitely won't increase them.
One good thing: if you're still receiving junk after registering, you know these companies are breaking the law, so they're probably not worth dealing with anyway.
Do remember, though: if you've personally signed up to receive mailings via email or when buying something, you'll have to block these individually.
You may be surprised to read this, but it's important to say. Unlike phone messages where it's all a load of ridiculous nonsense, junk mail can sometimes work in your favour.
A lot of best buy financial products, such as credit cards, are often only available if you receive them as targeted direct mailings. Yet it's only worth keeping this channel open if you're money-savvy and can sort out the wheat from the chaff.
One final way to get your revenge on junk mailers is to rip up the letter, stuff it in the pre-paid reply envelope and send it back. That way, the sender will have to pay to get its junk back.
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