15 HUGE MoneySaving Successes of twenty twenty WON - can you win big too?

If something goes wrong with goods or services you've bought, you've a couple of ways to try to claim money back from your credit or debit card firm. One is via the chargeback scheme, where you ask your card provider to get the money back from the supplier's bank for you. It's a customer service promise from card providers, rather than what's often stronger protection under Section 75 (see below), but chargeback can be key when Section 75 doesn't apply. 

PS: Under Section 75, by law credit card providers (not debit) are liable if something goes wrong for items that cost over £100 (up to £30,000), even if you only paid a 1p deposit on the card. Back in 2014, Linda used it to claim a HUGE £23,500 when her kitchen supplier went bust.

PS: Under Section 75, by law credit card providers (not debit) are liable if something goes wrong for items that cost over £100 (up to £30,000), even if you only paid a 1p deposit on the card. Back in 2014, Linda used it to claim a HUGE £23,500 when her kitchen supplier went bust.

PS: Under Section 75, by law credit card providers (not debit) are liable if something goes wrong for items that cost over £100 (up to £30,000), even if you only paid a 1p deposit on the card. Back in 2014, Linda used it to claim a HUGE £23,500 when her kitchen supplier went bust.

If something goes wrong with goods or services you've bought, you've a couple of ways to try to claim money back from your credit or debit card firm. One is via the chargeback scheme, where you ask your card provider to get the money back from the supplier's bank for you. It's a customer service promise from card providers, rather than what's often stronger protection under Section 75 (see below), but chargeback can be key when Section 75 doesn't apply. 

PS: Under Section 75, by law credit card providers (not debit) are liable if something goes wrong for items that cost over £100 (up to £30,000), even if you only paid a 1p deposit on the card. Back in 2014, Linda used it to claim a HUGE £23,500 when her kitchen supplier went bust.

PS: Under Section 75, by law credit card providers (not debit) are liable if something goes wrong for items that cost over £100 (up to £30,000), even if you only paid a 1p deposit on the card. Back in 2014, Linda used it to claim a HUGE £23,500 when her kitchen supplier went bust.

PS: Under Section 75, by law credit card providers (not debit) are liable if something goes wrong for items that cost over £100 (up to £30,000), even if you only paid a 1p deposit on the card. Back in 2014, Linda used it to claim a HUGE £23,500 when her kitchen supplier went bust.

If something goes wrong with goods or services you've bought, you've a couple of ways to try to claim money back from your credit or debit card firm. One is via the chargeback scheme, where you ask your card provider to get the money back from the supplier's bank for you. It's a customer service promise from card providers, rather than what's often stronger protection under Section 75 (see below), but chargeback can be key when Section 75 doesn't apply. 

PS: Under Section 75, by law credit card providers (not debit) are liable if something goes wrong for items that cost over £100 (up to £30,000), even if you only paid a 1p deposit on the card. Back in 2014, Linda used it to claim a HUGE £23,500 when her kitchen supplier went bust.

PS: Under Section 75, by law credit card providers (not debit) are liable if something goes wrong for items that cost over £100 (up to £30,000), even if you only paid a 1p deposit on the card. Back in 2014, Linda used it to claim a HUGE £23,500 when her kitchen supplier went bust.

PS: Under Section 75, by law credit card providers (not debit) are liable if something goes wrong for items that cost over £100 (up to £30,000), even if you only paid a 1p deposit on the card. Back in 2014, Linda used it to claim a HUGE £23,500 when her kitchen supplier went bust.

This is the often hidden part of Amazon that flogs returned or slightly damaged items for a fraction of the price. See our Amazon Warehouse blog for how to bag a discount on something you were planning to buy anyway.

This is the often hidden part of Amazon that flogs returned or slightly damaged items for a fraction of the price. See our Amazon Warehouse blog for how to bag a discount on something you were planning to buy anyway.

Over seven million are out of contract and overpay for broadband. In fact, some spend an eye-watering £45/month (£540/year) for the slowest speeds when most can more than halve costs, and get faster speeds by pouncing on hot, short-lived deals. Use our Broadband Unbundled tool to find the top deals in your area.

Over seven million are out of contract and overpay for broadband. In fact, some spend an eye-watering £45/month (£540/year) for the slowest speeds when most can more than halve costs, and get faster speeds by pouncing on hot, short-lived deals. Use our Broadband Unbundled tool to find the top deals in your area.

They're the Marmite of banking. While they're good value for some, packaged bank accounts were mis-sold on a mass scale to others. If you're paying a monthly fee for account extras you don't need or can't use, our packaged bank account reclaim guide and tool can help.

They're the Marmite of banking. While they're good value for some, packaged bank accounts were mis-sold on a mass scale to others. If you're paying a monthly fee for account extras you don't need or can't use, our packaged bank account reclaim guide and tool can help.

Shops do stocktakes... most of us don't. Yet many have £1,000s of items sitting in our homes we don't use enough to justify keeping. And you might be surprised by what others are willing to pay for items such as jam jars or toilet roll tubes. Our Flog your junk guide tells you what we've seen sell, and how to do it.

Shops do stocktakes... most of us don't. Yet many have £1,000s of items sitting in our homes we don't use enough to justify keeping. And you might be surprised by what others are willing to pay for items such as jam jars or toilet roll tubes. Our Flog your junk guide tells you what we've seen sell, and how to do it.

Up to 400,000 homes in England and Scotland may be in the wrong council tax band because the original valuations were slapdash. Yet it takes just 10 minutes to check before making a claim - our Council tax bands guide has the full system.

Up to 400,000 homes in England and Scotland may be in the wrong council tax band because the original valuations were slapdash. Yet it takes just 10 minutes to check before making a claim - our Council tax bands guide has the full system.

If you pay interest on credit or store card debt, STOP. With a balance transfer, you get a new card to pay off debt on old cards, so you owe it instead, but at 0% interest. The toughest part is acceptance, so use our 0% Balance Transfer Eligibility Tool, which shows which top cards you're most likely to get before you apply. See Top balance transfers for full help and options.

If you pay interest on credit or store card debt, STOP. With a balance transfer, you get a new card to pay off debt on old cards, so you owe it instead, but at 0% interest. The toughest part is acceptance, so use our 0% Balance Transfer Eligibility Tool, which shows which top cards you're most likely to get before you apply. See Top balance transfers for full help and options.

Our main tip to get cheaper car insurance is to never auto-renew, but following our tried-and-tested four-step car insurance cost-cutting system in full helps you drive costs down even further.

Our main tip to get cheaper car insurance is to never auto-renew, but following our tried-and-tested four-step car insurance cost-cutting system in full helps you drive costs down even further.

The best savings usually come from switching, but if you don't want to, haggling with your existing provider can help slash costs. See our full help and tips in How to haggle with service providers.

The best savings usually come from switching, but if you don't want to, haggling with your existing provider can help slash costs. See our full help and tips in How to haggle with service providers.

As a rule of thumb, if you're in England or Wales and there are more or the same number of bedrooms in your home as there are people, it's worth checking if you'd save with a free water meter.

As a rule of thumb, if you're in England or Wales and there are more or the same number of bedrooms in your home as there are people, it's worth checking if you'd save with a free water meter.

With successful PPI reclaims, you didn't just get what you paid back - lenders and insurers also needed to add annual 8% statutory interest on top.

This counts as savings interest, but unlike savings, 20% tax is automatically deducted from interest on PPI reclaims. And as most can earn £1,000/yr interest without paying tax, if you got a PPI reclaim payout since April 2017, you may be due some back - Martin's Reclaim PPI tax blog shows who can claim and how to do it.

With successful PPI reclaims, you didn't just get what you paid back - lenders and insurers also needed to add annual 8% statutory interest on top.

This counts as savings interest, but unlike savings, 20% tax is automatically deducted from interest on PPI reclaims. And as most can earn £1,000/yr interest without paying tax, if you got a PPI reclaim payout since April 2017, you may be due some back - Martin's Reclaim PPI tax blog shows who can claim and how to do it.

This is all about manipulating the Meerkat Movies and Meals promo.

This is all about manipulating the Meerkat Movies and Meals promo.

More than two million eligible couples miss out on this easy tax break, worth £252 this tax year and paid via a tax code change. You can also backdate it by four tax years if you were eligible, which can net you a cheque for up to £970 on top of this year's gain. See our Marriage tax allowance guide for who qualifies and how to claim.

More than two million eligible couples miss out on this easy tax break, worth £252 this tax year and paid via a tax code change. You can also backdate it by four tax years if you were eligible, which can net you a cheque for up to £970 on top of this year's gain. See our Marriage tax allowance guide for who qualifies and how to claim.

 If you're paying off a personal loan, it's worth checking if you can switch to cut costs, especially with rates from 2.8%, which is close to the lowest ever. See our Cut existing loan costs guide for step-by-step help.

 If you're paying off a personal loan, it's worth checking if you can switch to cut costs, especially with rates from 2.8%, which is close to the lowest ever. See our Cut existing loan costs guide for step-by-step help.

If historic overdraft charges put you into financial hardship, or made your situation worse, check if you're eligible to get them back.

If historic overdraft charges put you into financial hardship, or made your situation worse, check if you're eligible to get them back.