MoneySaving Polls Results Archive

Have you haggled with Sky, BT, the AA and more this year? Did you succeed?
Haggling with companies can provide big savings – on anything from digital TV and broadband to credit cards, breakdown cover and insurance. Each year we try to gauge the success rates of those who’ve done it. So please let us know whether you’ve gained cheaper prices, extra goods, better deals or reduced interest. Which of these firms have you tried to haggle with IN THE LAST YEAR? (Select as many as you want from the major providers below.)

Do you use banking apps – and which are the best?
There were 159 banking app logins per second last year. And now there are even app-only banks. So we want to know what you think of them. Do consider how easy they are to use, customer service and the range of features, eg, does it just have standard features such as account details and transactions, or does it offer extra features such as budgeting and categorising your spending? Please vote for ALL THE APPS that you've used.

How often do you use cheques?
A new cheque clearing system starts to roll out this week which means cheques will clear no later than the end of the next weekday, rather than taking up to six – and you may soon be able to deposit cheques by sending a picture of them.  Yet are cheques a thing of decline for many? How often do you use a cheque to pay – which of these is nearest to your situation?

Have you had a pay rise in the last year?
The Consumer Prices Index, a key measure of UK inflation, hit 3% in September - the highest it's been since March 2012. So with living costs shooting upwards we wanted to know if your salary (excluding bonuses and assuming you're in work) has kept up with the rate of inflation. Please vote under the category that reflects your annual salary. If paid hourly, weekly or monthly, work out how much you take home roughly each year (before tax). Have you had a pay rise (or if self-employed awarded yourself one) in the last year?

Should pension tax relief be halved to 20% for higher earners?
Pensions are a powerful tax break – allowing and encouraging people to save for retirement from PRE-TAX salary – at a cost to the Treasury of an estimated £35bn/yr. In simple terms… FOR EACH £100 SAVED IT ONLY COSTS A… - Basic 20% rate (salaries c. £11,500+) taxpayer £80 from their pay packet - Higher 40% rate (salaries c. £45,000+) taxpayer £60 from their pay packet - Top 45% rate (salaries c. £150,000+) taxpayer £55 from their pay packet Some argue this is fair as everyone simply saves on paying income tax, others say higher earners do better as their tax gain is at least double. One idea mooted for the Autumn Budget is everyone just gets a 20% tax break, ie, a cut for higher earners, and a saving to the Treasury of over £10bn/yr. Do you think pension tax relief should be cut for higher-rate taxpayers?

Is a degree earnings-enhancing and life-enhancing?
The debate about the cost and value of university rumbles on, so we want to test your ‘big picture’ view. Imagine you were telling a bright 18-year old about whether they should go or not. In general is getting a degree earnings-enhancing and life-enhancing?

Is it time to extend the smoking ban?
There are 1.9m fewer British smokers since the ban was introduced in England, Wales and Northern Ireland a decade ago (11yrs ago in Scotland). The ban makes it illegal to smoke in an enclosed public place and within the workplace, though it doesn't apply to e-cigarettes. Is the ban right and should it be extended more? Please vote for ONE option under the category that applies to you.

Do you support renationalisation of rail, energy, water and more?
This week, Labour reaffirmed its commitment to taking back into public ownership a raft of services which in the 1980s were privatised (usually by floating them on the stock market). Those arguing for privatisation often focus on increased efficiency due to competition. Those against often say firms do what’s best for shareholders, not for consumers. For EACH service below please vote on your view on whether it should be renationalised.

How do you access your bank most often?
With over 750 bank branches being closed this year, the digital revolution is taking over – not just online, but now with a host of app-based banks too. So we wanted to find out how you access your bank and whether it depends on your age. Please select the way you MOST COMMONLY INTERACT with your bank.

The Annual Census
So who are MoneySavers? For the fourth year running, rather than data-mining, we reckon the politest way to find out is just to ask. Plus we think you may like to find out a little bit more about who else uses this site (or more accurately, who uses this site and answers the polls). Welcome to the fourth annual MSE census. Please answer the following 11 questions.

Have you paid for cosmetic surgery/treatments?
So are you all natural, or have you paid out to pimp up your look? We want to see how many people shell out on cosmetic procedures, and which ones. (Of course, some cosmetic surgery is a medical necessity, paid for by the NHS or insurance, so we’re not talking about that.) Please select what type of surgery or treatment you've PAID for under the relevant category.

What puts you off from reclaiming mis-sold PPI?
It was announced this week that the majority of people likely owed compensation for PPI haven’t claimed it yet. There are only two years left for people to claim, and given many could be owed thousands plus a new ruling means just having had PPI makes it likely you were mis-sold, we want to know what is putting people off. So if you've an inkling you've had PPI in the past, what puts you off reclaiming? Please select the single biggest reason which applies to you.

What puts you off / frustrates you about switching energy?
During the election, we were gobsmacked when the man in charge of UK energy policy, business secretary Greg Clark, said: "I haven't switched, one of the reasons is... it is quite a hassle." If he's never switched, how does he know it's too much hassle? Yet unlike Greg Clark, you're not paid to understand switching policy, though it does pay to switch. So we wanted to find out what, if anything, puts you off switching (even if you do it regularly)… So energy bill payers, please select ALL the issues with switching which apply to you.

How common are free flight upgrades?
Are the days of trying to sweet-talk check-in staff to get a free upgrade to premium economy, business, or first class, long gone? Many airlines now sell spare upgrade capacity at the desk. So we want to see how common free upgrades are. Please answer the closest to your situation for flights IN THE PAST TWO YEARS.

Does mental health affect your debts?
We're updating our research on links between mental health issues and debt problems. It's argued either one can cause the other. If you’ve been affected, see our Mental Health & Debt guide. Please answer the question below. NOTE: Please exclude mortgages and student loans from definition of "debt".

How do you rate your bank account's service?
Every six months we ask for your help to track the quality of customer service provided by the big banks. Do you rave about it or are you more than a little bit disgruntled? By comparing your answers with last time, we can see which have got better or worse. So, please vote based on CUSTOMER SERVICE for your main CURRENT account over the last SIX MONTHS. Ignore rates or any other products, or service if it's more than six months old.

What’s your main way of spending when abroad?
School’s out for summer and many of you will be heading abroad to catch some rays. We want to know your primary way of spending (including getting cash) when in foreign climes. If you use a combination of methods, try to pick the one you use most often…

How do you rate your broadband provider?
We can tell you which the cheapest providers are, but to find out if their customer service is any good, we need your help. Please rate your BROADBAND provider on customer service (not price) over the past SIX MONTHS. Switched broadband recently? Rate the provider you were with the longest over the last SIX MONTHS.

Do you have mobile phone insurance? If so, what type?
You can lose it, break it, or be a victim of crime (as sadly happened to Martin on Monday - two men on a moped rode onto the pavement and snatched his from his hands). Insurance covers you, but it’s not necessarily worth it for everyone (full help in our Cheap Mobile Phone Insurance guide). Do you have mobile phone insurance?

What proportion of your income is spent on your mortgage/rent?
Take what you pay on your mortgage or rent (include any service charges, ground rent, but NOT council tax, insurance or other bills) and work out roughly what percentage of your monthly take-home pay/income (include benefits) it is.If you have joint finances that are intertwined then give your costs as a proportion of household income. Please answer in the correct category.

Do you travel with or without travel insurance?
We believe travel insurance is a necessity for holiday travel abroad. Yet both away and in the UK - do you risk going without it? For more help, see our Cheap Travel Insurance guide. Please select the option which is the closest for your next holiday.

What type of accommodation do you normally stay in on holiday?
Summer’s here and so many people will be going off on their holidays soon. Whether you’re staycationing or heading to far-flung shores, what type of accommodation do you usually pick for your main holiday of the year? Pick one option in the relevant category...

Which Tory manifesto policies would you like to see dropped?
The Queen’s Speech is due “soon”, where Parliament opens and planned legislation is set out. As the Conservatives have the most MPs but not a majority in Parliament, it’s likely they won’t be able to get every manifesto pledge through. We’ve put a selection of 14 of them below. Choose UP TO THREE that you’d most like to see dropped.

Which of these 50 old TV shows should be brought back?
It’s general election week, so we’ve decided to avoid controversy and have a bit of fun (we all need it). With the return of Baywatch as a film (and recent revivals of Porridge, Open All Hours, Danger Mouse and more), we wanted to know which other old-school TV shows you’d like to see brought back. All shows were originally made over a decade ago – a panel at MSE Towers has fought, scratched and bitten to pick 50, so sorry if your favourite is missing. Which of these TV shows do you most want to be remade? PICK UP TO 5...

What are the biggest factors that will decide how you vote in the general election?
You’ll get to cast your vote in the general election 2017 on Thursday 8 June (or earlier with postal votes). Yet what’s the driving force behind your choice? Which of the following big themes are the most important influences on how you’ll vote? Choose UP TO THREE…