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| DON'T believe the fake ads on Facebook |
| Martin: 'Had a payday loan? URGENTLY check if you were mis-sold' Wonga, Wage Day Advance and Juo Loans have all gone bust. These irresponsible firms fell to the weight of unaffordable mis-selling claims and the regulator's price cap. While I'm far from mourning them, I've one concern... Payouts can be in the £1,000s. If you were mis-sold you are due back all the interest, fees and charges and 8% per year on top since you took it out. Forumite Paydayloanalice is one of many successes: "I followed MSE's tips after getting 16 payday loans in 2yrs. I received Lending Stream's refund and got over £1,600. This has allowed me to pay off a credit card, so I'm looking forward to less stress." You can also ask for missed payments to be taken off your credit file. You needn't pay a claims firm, use our FREE TOOL. Claims firms can take 25% + VAT off your claim, so instead use our totally FREE Payday Loan Reclaiming Tool. It combines complaints site Resolver's tech with our template letter text. All you do is enter your details - it helps draft the complaint, sends it to the lender, and keeps track. If the payday lender rejects you, don't think it's over. More than 60% of people who then take their case on to the free Financial Ombudsman Service win. Our free tool automatically escalates it for you where appropriate. Wonga claimants can now lodge claims easily. Accountants Grant Thornton - which now administers the collapsed firm - opened a Wonga claims portal on Monday. Wonga borrowers who think they've been mis-sold can simply pop in their ID details and if these match Wonga's records, it'll count as you making a claim, which will then be examined. Though sadly if you were mis-sold you won't get the full amount back, you'll just be a creditor and could get only pennies in the pound. |
| 200 totally FREE Boots Advantage points. Dead simple way to get £2 worth. Free Boots pts Updated. Martin's view on how the Brexit extension impacts mortgages, flights, your rights & more. The EU has given the UK an extended deadline of 31 October to leave. See facts where there are facts & Martin's analysis where there aren't in our 25 Brexit need-to-knows. 'Free' YEAR'S 2for1 garden pass in £5 mag, incl Eden Project & Kew Gardens. Valid at 400+ UK gardens. 2for1 garden pass Go quick. Our top-pick debt shift credit card - 28mths 0%, 1.4% fee. This is about 0% balance transfers, where you get a new card that pays off debt on existing credit cards so you owe the new one instead, but at 0%. And with many top deals being axed recently, it's best to hurry if this HSBC card (eligibility calc / apply*) is for you. It's 28mths 0% with a 1.4% fee (min £5). Unlike many long 0% deals, you definitely get the full 0% length if accepted. Always pay the monthly min and clear the card before the 0% ends, or it's 21.9% rep APR. Full info and more options in Balance Transfers (APR Examples). FREE Whopper at Burger King - Wed only. See how to grab this Whopper of a deal. Married? You may now be entitled to a FREE £1,150. About 700,000 couples who are married or in a civil partnership still don't claim the marriage tax allowance. It's worth up to £250 this year + a further £900 for previous years. Marriage tax allowance check |
| Act now to bag FULL SERVICE breakdown cover for just £48/yr Think of roadside recovery and the big names that come to mind tend to be the AA and RAC. Not on MSE though. Our top pick for a decade has been AutoAid, as it gives more cover, for a lower price and with similar call-out times. Yet its price is about to rise, so here's what you need to know... Ending. £48/yr for full service breakdown cover for you + spouse. AutoAid* currently costs £48.31/yr, but that rises to £60 on 15 May. It covers any car you or your spouse/civil partner drives and, unlike basic policies which only cover breakdowns away from home, this covers them at home too. Plus it gives onward travel for up to five passengers if you need it after a breakdown elsewhere. To put the price in context, equivalent AA cover costs well over £100.Slash the cost of basic AA/RAC cover to £23/yr. AA or RAC cover that only includes breakdowns away from home is £45, yet use the right cashback sites and you can cut this to £23+ for basic cover or £75+ for full service cover. Driving your car in Europe? While you can often upgrade a UK policy from about £30 for a week, if you know you're going to hit the Continent's roads, you can get UK and Euro cover from £46/yr. See our Cheap European Cover section. Want to stick with a big firm? NEVER just auto-renew, always haggle with the AA and RAC. When your renewal hits, don't simply accept the price. The success rates for those who haggle are higher here than in any other call centre-type industry. Some 88% of AA customers and 85% of RAC customers succeeded in haggling according to our latest poll. Huw emailed: "Followed your hints and halved my AA renewal. Well worth those few mins." There's a full how-to in our Breakdown Cover Haggling guide. If that doesn't work, Green Flag says it'll halve AA/RAC renewal prices. |
| CONFIRMED: Pay £15 for a £49 Google Home Mini (or 'free' if you've Spotify Family). A month ago, we revealed how on paper you could manipulate a deal from the music streaming service. Now we've proof it works, eg, Siobhan said: "Got a free Mini thanks to @MSE_Deals... best five mins ever." 'Free' or cheap Google Home Mini Got an APP-etite to save? 25 free apps to slash costs, incl free food, free Amazon vchs & two cinema tix for £7. See top free apps. Sainsbury's Energy customers, you're being moved to British Gas. Your tariff stays the same, just the name on the bill changes. But many are overpaying, so make it your trigger to check as some could save £300+/yr. Full Sainsbury's Energy help, incl how to save £300+/yr. Two free audiobooks (four for some). ANY title allowed, eg, £70 Sherlock Holmes collection. Audible (part of Amazon) has boosted its free trial freebies. How to get two (or four) free audiobooks. Hurrah. Student loan accounts to be updated weekly. The amount of interest you pay on your student loan should become clearer and you should be less likely to overpay. See student loan news. 24 craft beers for £30 delivered (norm £57ish). MSE Blagged. One-off box including Wild Beer and Five Points via Beer52. |
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| AT A GLANCE BEST BUYS
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| Ends Thu. '£7/mth' unltd mobile mins, texts & 4GB data (enough for most) Now's a great time to get a new Sim - the little chip in your mobile that dictates your allowances - and take advantage of the host of hot deals out there. If you're out of contract and happy with your handset, there's nothing to stop you ditching and switching. And with EE, O2, Three and Vodafone upping prices this spring, make all this your trigger to check if you can save. The key is how much data you use & calls you make. To keep costs down, ensure you match your allowance to your usage. As most Sim packages come with unlimited texts and a generous amount of mins, it's data that's key. And in our recent poll, 70% said they use less than 3GB of data each month. So check your bills for your use or use a free usage checker.Today's top Sims - some can save £100s/yr. We've listed the cheapest for new customers, with lots more in our Best Sims guides - especially useful if you can't get decent signal on the networks below.
- Keeping your number's easy. Switching it over normally takes just one working day. See Number porting. - You may need to unlock your phone. Firms MUST let you if you're out of contract. See Unlock your phone for free. - Don't want to switch? Haggle. Mobile firms are among the easiest to haggle with. See Haggling help. | |||||||||||||||||||||
| 23 Beatrix Potter books £28 delivered, incl Peter Rabbit. MSE Blagged. See the latest Book People deal. SUCCESS OF THE WEEK: "Read your article about SMI council tax discounts. I submitted the form for my mother-in-law and got a refund of £1,300 for last year. She will pay nothing going forward. Thanks."(Send us yours on this or any topic.) Five 'lucky dip' Plain Lazy T-shirts £35 all-in (norm £110). MSE Blagged. Men's or women's. Plain Lazy code |
| THIS WEEK'S POLL Are you financially better off than your parents at your age? The world is richer than it used to be, but do you feel it? Taking into account financial wealth and income (and factoring in inflation), overall how do you stand compared with your parents? Men are more likely to ask for a pay rise. Last week we asked if you've ever requested a pay rise, and if so, how successful you were. From 4,000 respondents, 60% of men vs 56% of women said they have asked for one. But how successful were they? See full pay rise poll results. |
| MONEYSAVING NEWS - Top story: Energy firm 'fabricated' reviews |
| MONEY MORAL DILEMMA Should I pay for food from the kids' menu? When I take my two-year-old into cafes and restaurants I bring food from outside for her, and it's never been an issue with staff. But at what age does this become morally dubious, given she does now eat most of the food you find on the kids' menu? Enter the Money Moral Maze: Should I pay for food from the kids' menu? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: My SOA and Situation Realisation |
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| MARTIN'S APPEARANCES (WED 17 APR ONWARDS) Thu 18 Apr - Good Morning Britain, ITV, Deals of the Week, 7.40am MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Wed 17 Apr - BBC Radio Cumbria, Money Talks with Ben Maeder, from 6pm, marriage tax allowance |
| QUESTION OF THE WEEK Q: On a recent journey none of the three toilets on my train was working. What are my rights in this situation? Can I claim compensation? Richard, via email. MSE Kelvin's A: You can try, but while you may well get something back, there's no certainty of success as the rules do not specifically cover this issue nor the amount of likely compensation. However, the Consumer Rights Act lays out that firms should provide a service with "reasonable care and skill". So if you've paid umpteen pounds for your ticket, we reckon it's only 'reasonable' to expect to be able to spend a penny on board. First complain to the rail firm quoting this rule. If you're unhappy with the rail firm's response, you can escalate your complaint. MSE Sarah got money back for poor service when the air con was broken, so complaining can work. See our Train Delays guide for full info. Please suggest a question of the week (we can't reply to individual emails). |
| HOW SOON IS TOO SOON TO GET MARRIED? That's all for this week, but before we go... a forumite asked this interesting question last week. It's stimulated debate not only on the MSE Forum but among staff at MSE Towers, with some saying "if you know, you know", but others asking "why do you need to get married?" As it's been so popular, we want to hear your thoughts. Let us know on our How soon is too soon? Facebook post. We hope you save some money, |
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