An Open Letter to the Rt. Hon. David Cameron MP
Dear Mr. Cameron,
It's the first time I've seen any major party say this. The only shame is it's too late by three years, 593,156 PPI reclaiming & 6,126,175 bank charges reclaiming template letters, and up to £2 billion of payouts.
Forgive my slight scepticism that it's no surprise to see the political elite calling these charges unfair now banks have become bogeymen, and we're near victorious at the final test case stage at the House of Lords.
A challenge to you
So I want to ask you to support an act of real political bravery... these unlawful bank charges were taken from people's accounts without asking. No other companies have the power to take our cash in this way; if your energy supplier has a dispute with you, it needs to go to court to get the money.
Please feel free to discuss this letter
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Swine Flu Travel Help. Cheapest suitable travel ins., compensation & your rights.
While hopefully symptoms will be mild, travel restrictions mean summer holidays could be devastated. Travel insurance's the only protection; credit card section 75 and tour operator cover don't apply here. Check your Travel Insurance: You'll need a policy that includes cancellation cover and doesn't have a pandemic exclusion clause. Yet assume it WON'T pay out: Even with suitable policies, as sufferers aren't meant to go to GPs, getting the diagnosis some insurers require is tough. For safety, presume you'll have claiming problems & may need to complain to the free financial ombudsman service; thus collect evidence. Full info, inc. policy checks & evidence tips in the Detailed Q&A: Swine Flu Travel plus Swine Flu Update: Cheap Travel Insurance Related: Cheap Flights, TravelMoneyMax.com
Biggest Ever Tesco loophole! Spend £8, get perfume/aftershave & £20 Tesco Rewards vouchers (£12 profit). Buy an £8 fragrance & get 500 bonus points, which are convertible into £10 of wine/cosmetics in-store or £20 of Tesco Rewards, ie you're in profit. Ends 28 July. New Deals List: Tesco Clubcard Loopholes
New! Theme Park Vouchers A-Z. Discounts & 2for1s for theme parks UK-wide. Eg. Alton Towers, Sealife, Dungeons
With the summer holidays here, we're launching a brand new section, tracking any available deals, discounts and vouchers for theme parks big and small across the UK. Just over half the parks currently have deals including Alton Towers: Instant click n print 2for1 Chessington: £49 for 2 adults, 2 kids Legoland: 2for1 with a packet cake mix. Edin/York Dungeons: 2for1 when you buy a newspaper. Full listing and theme park map in the New Deals List: Cheap Theme Parks Related: Days Out Vouchers
Beauty Deals! Body Shop £7.50 filled vanity case (£20 of stuff), free travel shampoos & nail varnish (with mags). Plus a free mascara (£2.50 p&p). See the Deals List: Beauty Deals & Freebies
Yet another Savings Boost! Now 3.3% AER Easy Access (min £1,000). Updated Article
There's yet another crop of new best buys, allowing you to get nearly 7x the base rate with easy access. 3.3% but limited withdrawals. The good news is Coventry BS now pays 3.3% AER variable (min £1,000) including a year's 1.3% bonus. The bad, it only permits four penalty-free withdrawals annually of at least £1,000 each, plus it's operated by post. 3.15% no restrictions: The Alliance & Leicester* Online Saver, pays 3.15% AER variable (min £1) including a 2.65% year-long bonus; withdrawals are permitted any time no notice needed. Alternatively B'ham Mids Telephone Extra pays an identical rate. All these accounts have the full £50,000 UK savings safety protection. Full info & more best-buys inc. top guaranteed accounts and 5% fixed rates in the Updated Guide: Top Savings Related: Safe Savings, Top ISAs
New! Prezzo 2for1, Slug & Lettuce 50% off & Cafe Rouge £10 starter, main & drink. These join GBK burger & fries for £6, Strada 2for1, buy one get one for £1 at Ask and more in the Daily Deals List: Restaurant Vouchers
Got friends who'd like to save? Please tell them about this email
50,000 sub £10 prescription glasses, inc. lenses, frames & UV/glare/scratch protection. It's back, single lens glasses £8-£11.50 all-in. See the Forum Note: Cheap Glasses
Service Charge Reclaiming. One MoneySaver got £400 back... can you?
A London-based MoneySaver says the managing agent of her leasehold flat kept over £400 in service charges from her, as her estimated bills were too high for three years and no refund came. She's reclaimed the money. Can you reclaim? Frankly we don't know if this is a one off or not. So we want people to check their service charges; if it's a widespread problem we'll launch a full reclaim campaign. Full info in the Forum Note: Service Charge Reclaiming
URGENT! £5(ish) European flights. Ends midnight Thurs 23 July. Another sale, Ryanair has a million £5 (inc. some taxes & charges) flights from various UK airports to nearly 80 European destinations, for Aug-Oct travel. To speedily find them see the Updated Guide: £5 Flights Related: Cheap Flights, Cheap Hotels
Now ANYONE can get Orange's 2for1 Wed Cinema deal. Free Orange sim card with £5 credit. Just grab this free Sim card with £5 credit, pop it in your phone for five mins on a Wed to count as an Orange customer. See the Updated Guide: Orange 2for1 Cinema loophole
Cheapest Loans 7.9%. Tool Of The Week. Calculate costs, how much you can afford & whether to switch!
Text for free! Special web-tools for no-cost texts to UK or 30+ other countries
If you’ve friends or relatives overseas, texting them can cost a huge 50p a go, yet you can slam this down to nowt! Nifty site Sendsmsnow lets you send to 33 countries, including USA, Canada, India and Poland, for FREE via the web. Sending to the UK: You can get unlimited free texts within the UK with www.cbfsms.com, so if you’re near a computer ditch your mobile and use this instead. Full details, pros and cons, plus how to text for 2p off your mobile in the Updated Guide: Free Texts Related: Cheap Mobiles, Cheap International Calls
New Cheapest Gas & Electricity Tariff £250 cheaper than avg. bill. Npower's online dual fuel tariff's the new cheapest for over half the UK. Top Pick Comparison Services: Energyhelpline* gives £15 cashback per switch (via these links only). Dual Fuel: Moneysupermarket* £30 cashback, Uswitch* free case of wine & SimplySwitch* £35 Amazon vouchers. Full info in the Updated Guide: Compare Gas & Elec plus cashback
Cheapest Dongle! 5GB mobile broadband at £11/mth; or 1GB for £4.24 via cashback
For those who want broadband on the go for laptops, two cracking new mobile dongle 18 month contract deals. Big download limit: You can get 25% off 5GB 3 Mobile broadband by going via SimplifyDigital* and entering the code AFF09 when at the checkout, making it a market leading £11/month. Smaller data cap: For those likely to download less, Orange's cheapest mobile broadband package is currently reduced to £9.79/mth with a 1GB download limit, yet up to £100 cashback's available via special cashback websites. Incorporate this and it's effectively £4.24 a month. Full details in the Updated Guide: Cheap Mobile Broadband. If you're new to cashback read the Top Cashback Sites guide.
New hotel deals. £15 off HotelClub.com, 10% off Hotels.com & more. These join a 24 hour 50% off sale on selected hotels from 9am Thurs 23 July at Lastminute.com. See the Deals Note: Hotel Sales Related: Cheap Hotels, Priceline Hotels Loophole
Quick links or click the titles for full pros, cons, alternatives & more savings
Great 'How to ensure your insurer pays claims' Hunt: What have you done to assure a payout?
Tax Credits Reminder. Check if you're eligible or renew before 31 July. Those already getting Tax Credits must renew by 31 July or payments may stop. Those not should check if they're eligible. Details on how to claim or renew in the Forum Note: Tax Credits. Coming Next Week: Full guide to Tax Credits
Possible £50 boon for Nationwide current account holders. Switch your Direct Debits to the bank and get £50, see the full MSE news story: Nationwide £50 bonus
The £95 parking ticket for taking too long to spend. Shockingly, a motorist was smacked with a parking penalty for taking "too long" spending £400 at a Homebase store. See the MSE news story: Parking madness Related Guides: Parking Ticket Appeals, Private Parking Reclaiming
MONEY MORAL DILEMMA. Would you give up a £50 concert ticket because you may have swine flu?
You've booked a £50 tickets for a concert tonight but are feeling slightly achey, snuffley and a bit hot; early swine flu symptoms. It's too late to sell them (you've tried), no refunds or exchanges are possible and you’re really looking forward to the concert. You want to go, but are worried you may infect others. Enter the Money Moral Maze: Would you give up £50 tickets? Previous MMDs: View All
Regular MoneySaver Savvy's now debt-free! £12k paid off in 5 years. Huge congrats to long term site user Savvy who's paid off her last debt. Read all about it in her Debt Free Story
Quick Forum Tips
Warning! Bargains listed here tend to sell out quickly
Board of the week: Silver Savers (over 50s) MoneySaving
The Silver Savers board offers a wealth of information and innovative ideas for the more mature MoneySaver. Discussions include Paying for care, Tips & tricks for over 65s, 70s & 75s and Funerals & paying for them
Great 'Holiday At Home' Hunt Result
Last week I tapped MoneySavers' knowledge for the best stay-at-home ideas for singles, couples and families instead of jetting off somewhere on holiday. There were some great suggestions including Visit Your Local Tourist Info, Travelodge Pampering Session and Get the kids involved and plan!
- Thurs, GMTV, ITV1, sometime between 7:20 & 9:30am. Cheap theme park tickets.
- Tues, GMTV, ITV1, sometime between 7:20 & 9:30am. Beat budget airlines' extra charges.
This week's Martin's Blog: Apparently I’m an environmental scourge…
"The recession’s end means HIGHER prices" and "Should I give away my ashes hat...". Read m'blogs (or RSS users access)
The Good Debt, Bad Debt game. 9,362 voted last week. If a person needs a car to get to work, but can only get a 12% loan with steep repayments, is the debt good or bad? 63% of voters think it's good debt. 37% thought it was a bad debt regardless. See Good Debt, Bad Debt poll results (which include my views).
I have a "menial wrist"! That's it for this week. As I'm suffering from a harsh bout of RSI, this anagram site's top result amazed me with its aptness. Great for scrabble!
PS. Thanks for all the kind notes, tips and suggestions about my RSI, very kind. I'm swamped with them though, and for obvious reasons clicking & replying isn't easy. So sorry if you don't get one.
We hope you save some money
Martin & the MSE team
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following 'un-affiliated' web-addresses for the same things: alliance-leicester.co.uk, tescofinance.com, energyhelpline.com, moneysupermarket.com, uswitch.com, simplyswitch.com, simplifydigital.co.uk, uk.virginmoney.com, firstdirect.com, halifax.co.uk, americanexpress.co.uk, plus.net, gocompare.com. Read more about this in how this site is financed.
MoneySavingExpert.com is the free to use Consumer Revenge website focused on how to save you cash. It’s owned, and run by ultra-specialised journalist and bestselling author Martin Lewis. On TV amongst other things Martin is GMTV’s Money SavingExpert and presents money programmes for ITV1 Tonight. On Radio Martin has regular slots on Radio 2 Vine and Radio 1 Whiley. He’s also a columnist for the News of The World, Moneywise and the Sunday Post. Find out more: About the site and its funding.
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