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Archive for April, 2009

Ugh! Terrible slip. BT free line installation not line rental. Choking isn’t good!

On my GMTV Lorraine slot this morning, I was talking about BT’s free line installation deal (see free BT installation note). It’s a rare chance to avoid the usual £122.50 cost.

I’ve just had one of those calls … the producer rang to say “can I just check, at the end of the piece, you said free line rental. That was just a slip wasn’t it?” It seems BT has had calls requesting free line rental and has called GMTV.

From what I recall, I choked just before as I was speaking (you’ll remember if you saw it) and had to stop, it threw me a bit. The whole piece was about line installation, but it shows that even one word misplaced towards the end can be a problem. I suppose if I thought there was a small chance of free line rental I would’ve called too.

Though it’s very frustrating – especially as I wasn’t aware I’d done it until I got the call.

So sorry BT & anyone who saw it … sometimes the wrong word comes out.

Comment and Discuss

Not everyone is in the mire

Talking money at the moment is a difficult balance. I’m often asked questions when interviewed starting “as we’re all struggling at the moment…”. Yet of course that simply isn’t true, in fact, in many ways we’ve never had a more polarised society.

The recession’s bite is primarily about income & assets, not expenditure…

Most of the problems people are currently facing are due to income issues – such as job loss or pay cuts – rather than cost issues. Of course for some – often older people on the state pension – specific inflation and cost issues are still high, but that’s a constant rather than a recession based change.

That means mainstream society is divided into two camps:

  • It’s good for…

    For those in stable jobs, i.e. in the public sector or anywhere there hasn’t been pay cuts, with variable rate mortgages, this is probably as good a time financially as it gets. We’ve got prices dropping, companies fighting for business and a true buyers’ market in many things.

  • It’s bad for…

    Anyone who’s lost their job or is working for or running a struggling company, and of course with unemployment now at 2.1 million that has grown rapidly and radically.

    It’s also bad for those relying on their assets, such as property and shares, as (on paper only for many) they’ve plummeted in value leaving people feeling much less wealthy.

I think it’s important to keep this balance in mind. There are certainly more people struggling and with serious problems than before, yet that doesn’t mean everyone is.

Though of course it’s sexier for the media to cover extremes. Throughout my career I’ve fought the fact that whenever any TV programme wants to cover “debt” they always go for a severe case. Actually that’s both not representative of most people with debts, and more importantly requires a completely different approach to deal with (see the debt help guide for an explanation why), thus as a case study it doesn’t give most viewers decent take home information.

Trying to cater to this current financial schism is interesting; here on the site we’re trying to keep a mix of items, so we may have the redundancy guide next to an article on using cashback cards, as catering for both is important. Therefore, when I (rarely) spot one of the team using such absolute phrasing I scratch a red line through it.

Comment and Discuss

An episode of exemplary Customer Service.

We often moan and berate customer services staff, so I thought I would quickly blog on one of those small moments when someone goes beyond the call.

On occasion when I want to escape MoneySaving Towers to focus on my writing, I nip across the road to the newly opened Westfield shopping centre, treat myself to lunch and start tapping away on my laptop.

Today was one such occasion. I’d ordered a salad from Tossed, one of the food hall stands, and then taken it to the large seating area. After about a minute there, being a clutz, I dropped my knife on the floor.

Nearby was one of the serving assistants who clear away the trays that people leave. I was a bit startled as he walked up to me straight away and offered to go and get me another knife.

While not a big deal, bare in mind I wasn’t in a restaurant this was a shopping centre food court. He was polite and efficient, and it was very welcome. Bravo!

Comment and Discuss

Hell’s Kitchen: I hate trifle. I didn’t hate this. That in itself is impressive

We had a trip to Hell’s Kitchen for dinner at the end of last week. Our table was right by the pass, meaning we got to watch Marco & the celebs cooking up close. Interesting to do, as you end up not talking, just staring in at the frenetic activity: celebs, Marco and two chef helpers running up and down the kitchen to get things done in time.

The most fascinating thing is when the programme ends and service is over, almost everyone leaves, and the remaining celebs clean the kitchen for hours. Watching Linda Evans, once super-glam Crystal from Dynasty, scrubbing out an oven is a bizarre sight.

I wasn’t drinking and opted to have a diet coke rather than the wine. Interestingly they still gave it to me in a wine glass filled up to the right level, probably to make it look like everyone is feasting in there.

Mini-blogging while there…

As they said “treat it like a normal restaurant, feel free to wander around” I decided that included being allowed to do a mini-blog as I was there, posting in the forum from my phone when I could (see Hell’s Kitchen Twitter-esque blog).

It was fun to do, and see the reactions in the Forum, each time I posted. As for walking around, the only person we knew there was former Apprentice Raef, who’d appeared on It Pays To Watch in the past, so we said a quick hello to him. It turned out to be toff night as we found out later; unsurprisingly we didn’t appear in the Toff Montage!

The Food

The food itself was great, a much better menu than when I went about eighteen months ago (see A night at hell’s kitchen blog). For the starter I had Smoked Salmon, a beautiful piece that covered the plate, and a lemon in netting to squeeze on it. Yet I only gave it a 6/10 which is marked as “very good” rather than a higher grade (e.g. 9/10 – very impressive), because it doesn’t actually take that much work.

For the main course, I went for the seared tuna and frankly I was under-impressed, it was fine just rather bland, partly because it was covered in olives and other veg, and i dislike olives so simply brushed that off. There was also the fennel on the plate, which tastes of aniseed, an interesting taste, but not for me.

Dessert was some of Danielle Bux’s trifle, and my comment, which I discovered the next day was read out on the comment card, was “I hate trifle. I didn’t hate this. That in itself is impressive”. I was pleased about this as watching Danielle throughout the evening, she’d looked under stress, and even though we’ve never met her when we smiled she smiled back seeming, quite rightly, to like any support.

Comment and Discuss.

The recession’s over … it’s recovery time!

Great news isn’t it? Listening to yesterday’s budget, the political buzz-phrase that kept ringing out was “as we proceed to recovery”. Isn’t language marvellous? We went from boom-time, to downturn, then recession lasted a week, and now we’re “heading to recovery”.

Call me old fashioned, but when the economy is due to shrink 3.5% this year, according to Alasdair Darling (4.1% according to the IMF), that’s still in the serious mire of recession.

I suppose by the same logic, we should start referring to premiership footballers as “heading for the commentary box”, or newborn babies as “heading for retirement”.

Comment and Discuss

I almost missed my award.

I’ve just come back from the London Press Club lunch, where I was delighted to pick up the “Consumer Journalist of the Year” award.

Not coming from a print journalism background I wasn’t aware of quite how big a do this was and when I got there realised most of the National papers editors and many high profile top hacks were there. On my table alone were the Editor and Dep Ed of the Times plus Robert Peston (who deservedly won Biz Journalist of the year).

Not my finest hour.

Now of course I’m very chuffed to have got such a prestigious trophy, but that aside, it honestly wasn’t the best day.

When I first heard it was on a Tuesday, I said I couldn’t go. Firstly, it’s my GMTV morning, then working on the weekly email for the rest of the day until late in the evening. There’s never a moments break. I was, however, persuaded that it would be “stoopid” not to attend.

Yet when I woke up this morning for my 6.40 transport to GMTV, I felt very sick, and I’ve been seriously nauseous all day. So much so that when I left filming at GMTV at 12:30 to go to the awards, I deliberately didn’t take my make-up off; I’m so green otherwise I think it’d scare people.

Toilet Break at a bad time.

Lunch was nice, I sat next to a lovely lady from British Gas who runs British Gas’s regional PR department (they were the award sponsors) in Cardiff and is a site user; she thankfully kept my mind off my green gills.

Then the awards were about to start so we checked the order. As it seemed mine was the third one, I nipped out to the loo. Sauntering back I saw my name on the screen, realised it’d been the first award, and heard them announcing that I’d won. I ran in, in a bit a fuddle, walked up said thank you.

Then I ending up sitting back down in the wrong chair (one belonging to Sir Christopher Meyer who was presenting the awards) and embarrassingly then had to get up again and walk back to the right one.

No chance to thank the News of the World.

Worse still, these things are quite political and I had wanted to thank the News of the World, for being different and giving a money columnist a place up the front of the newspaper (most money columnists are kept in the money ghetto). In these times they do try and grasp the fact that practical news is a real help to people.

Yet when I said “do I say something” as I got the award they said no. Then I found out that while I was out they’d said “please keep speeches short or do none at all”, and virtually everyone else thanked the organisations they worked for. So I hope they don’t feel snubbed! Let me say thank you here… thank you.

Comment and Discuss

Sir Alan you’re 110% right!

Three cheers for Sir Alan, nope this isn’t about Premium Bonds, as you’ll know from the premium bonds: are they worth it? guide we’re not singing from the same song sheet on that one.

Yet when I finally got round to watching The Apprentice from two weeks ago, he did something which made my heart sing.

One of the contestants told him they’d give 110% effort, and he snapped back something akin to “just 100% will do, don’t start with that.”

Now this proves that Sir Alan is a proper numbers man, and I’m very glad to see I’m not the only one who gets frustrated with this trite & incorrect phrase.

As I wrote in my first blog declaring war on 110% effort, you can’t give more than 100%, the point is quite simple.

“You cannot give more than 100% effort. Giving 101% means you are making an effort beyond your actual capacity. Even if you are making more effort than was previously possible for you, then in fact your ‘effort output’ has increased, but you’re still giving 100% (though an effort level you may previously have described as 80% is now recalibrated as a 79% effort!).”

Comment and Discuss

PS. Also see related old blogs: further war on 110% effort, Go JLS – 100% right.

ThinkJessica Campaign: Fighting Scam mail

I’ve been contacted via GMTV by the founder of the ThinkJessica campaign, which has been set up by the daughter of the victim of a hideous scam mail to try and stop something similar happening to other people. She wants me to record the voicemail message that people get when they call it up.

Before I explain my dilemma, here’s the original email contact… (I hope she doesn’t mind me reproducing it):

“Dear Martin

I launched the Think Jessica Campaign on GMTV (July 08)

Following that I have had a lot of media coverage on ITV, GMTV, BBC TV & Radio, National News Papers and links from many government websites including Help The Aged and Age Concern.

More recently I have spoken at the House Of Commons and was also invited by the Attorney General (Baroness Scotland) to attend the NFSA launch. (We were both interviewed on GMTV on the day of the Launch)

This link to an interview I did on Breakfast should tell you what its all about. http://www.thinkjessica.com/misc/bbc_sept2008.htm

Basically we are raising awareness to scams and warning people not to reply. The terrible consequences suffered by victims who have had their names but on suckers list can be read in the gallery www.thinkjessica.com

We are looking for a recognizable (trusted) voice for our recorded message phone line.

This phone number is going on posters in Banks/Building societies across the country, The NEW poster is currently being designed but it is sharp/clear and will get the message across

SENDING CASH to release a prize/unbelievable offer

STOP… RING THIS NUMBER (min rate BT landline call charge)

Please could you help us warn all those who may be tempted to part with there cash, by recording the phone message for us.”

Now of course this sounds a fantastic cause and very worthy of supporting. I’ve written before about my anger of sales calls to my grandma and this is something I want to support. My problem is the phone message is an 0871 number, something which as people will know from the saynoto0870 guide, I’m not exactly a fan of. So, what to do?

I called…

Funny what writing a blog can do. I stopped myself at that point and decided the best thing to do was pick up the phone and talk to Marylin about this issue directly. After talking to her, I found her inspiring: she’s a battling campaigner, doing this on a shoestring as a one (wo)man band, determined to make a difference after what she’s been through. And she’s already made progress…

I spoke about the 0871 issue, which is in her words “not something I knew about, I’ll try and get it changed”. I’m not sure quite how easy that will be for her in the short term, especially with no funding just yet (I suggested a few avenues to try, including the MSE Charity). Yet with the number of scams increasing I think it’s best we just get on with it; the damage they do to people’s lives far outweighs the phone number issue.

Comment and Discuss

It’s Official! Stripy Shirts Are Fashionable

Friends, enemies, site users, viewers, profile writers, colleagues, relatives, broadcasters and somewhere I’m sure even farm yard animals have taken the mickey out of my stripy shirts. Yet I’ve weathered the storm, and remained as faithful to them as stamp adhesive.

True, I do now throw in a few plain-styled tapered shirts just for variety, but my wardrobe of more than 50 striped varieties remains relatively unblemished (well, once they’re out of the wash).

Now you may be thinking that fashion and Martin Lewis go together like pigeons and decaf coffee, yet not any more – according to the Independent I’ve made it to the top 100 most influential people in the world of fashion (online… but hey).

So without further ado, with the power vested in me as the 25th most influential person of trend (online). I’d like to pronounce the stripey shirt as the number one fashion statement of the next five years. Zebras, Tigers and ladies who publically undress (stripers…) our time has come!

Comment and Discuss.

Parking Fines. You can reclaim them…

Last December I was hit by a stonking great parking fine. It was £60 for parking opposite a sign that effectively said “no parking until 6.30pm” – outrageously my fine was for parking there at 6.35pm. I blogged back then that this would be the first of my reclaim campaigns I would actually be using myself (see Parking: my first reclaim blog).

So I sent off adapted template letters from the parking ticket appeals guide, for an informal appeal and crossed my fingers. I knew I may’ve upped the ante both by writing about it here, and including it in my News of the World Column and hoped the council wouldn’t get militant because of it.

Unsurprisingly, the first letter I got back was a standard rejection – with photos – explaining why I had no case, and if I didn’t pay up the £60, it would double to £120.

See the letter here…

Martin Lewis Parking Fine 1

I wrote back saying I didn’t accept this, and then I (again using the template letters) took it to a formal appeal. Then there was a delay, a seeming age – I wrote back in early Feb, yet it took until early April for me to get a reply…

In it came the fateful words:

“Our records show that the time plate to which you refer is incorrect, therefore on this occasion only we have decided to cancel this PCN”

See the full letter – again

Martin Lewis Parking Fine 2

So no fine to pay. Yet what’s outrageous is this WASN’T spotted on the first appeal; it admits the signage is incorrect, but it took me having to risk the fine increasing to get it sorted out. Worse still, the note says “restrictions can and do differ on opposite sides of the road.” Yet the only sign on either side in that street is the one giving the time to be 6.30pm

There’s a golden rule in this… if you think you’re right… go for it.

Comment and Discuss.

Martin made me go and buy shoes for work!

Not my blog this time, but from MSE Archna, who as part of her arduous work, I forced to go and research shoe discounts for the weekly e-mail. Over to Archie…

“I can’t deny it, pretty shoes make my heart flutter and blood pound. So when Martin needed someone to check out a potential loophole at posh shoe shop Kurt Geiger, I was straight out the door. The deal was, buy a copy of magazine Elle for £3.50 and get a £15 gift card to spend in-store. What we needed to find out was if more than one gift card could be used per transaction: if so this was going to be a MAJOR loophole for the weekly email. I knew my MoneySaving credibility was depending on this, so armed with four copies of Elle (paid for by Martin of course!) and my most charming smile, I headed to the mammoth Westfield centre on my mission, convinced I would succeed.

Now, I hadn’t realised you had to register the cards online so I nipped to the Apple store on the way to nick the internet and register the cards. First obstacle: you can only register one card per email address, but I sneakily used a couple of spare ones with success.

After chatting up the sales assistant and tottering around in some fierce heels I picked the cheapest shoes I could find (for £55) and went in for the kill, handing over the four giftcards and my (cashback) credit card in one go. Just when I thought I was going to get away with it, my new BFF handed them back and shook her head. Sadly no amount of sweet talking could change her mind, even when I pointed out the ts and cs didn’t forbid it. Back to MSE Towers it was, red-faced and minus the free shoes. Still, being paid to try on shoes is never a bad thing!”

Discuss this blog

The Forum Top 50! What’s best read?

I’ve just grabbed the stats below from the system, to see which the most popular forum boards are. This is done on page views not people, so perhaps a better explanation would be the boards people view again and again and again and keep updating.

No surprise that Grabbit is top, so I’ve used it as a base for the rest showing it as a 100 (it’s many millions of page views) and the rest are all based on it. I was slightly surprised to see Competitions Time up there, as it’s a relatively new board – I think eighteen months or so old – but it’s grown at speed (Correction: it’s actually four years old now – time flies!).

This experiment has been slightly unfair to some of the newer boards like ‘food shopping’, which was only born in the last few weeks of the measured period, yet even so it managed to make the top fifty. Good to see Debt-Free Wannabe and Old-Style still doing so well too.

1. Quick! Grabbit while you can 100
2. Freebies (no spend required) Board 51
3. Competitions Time 48
4. Gambling Introductory Offer Loopholes 31
5. Debt-Free Wannabe 27
6. Shop but don’t drop 26
7. Debate House Prices, the Economy & Recession 26
8. Old Style MoneySaving 23
9. MoneySaving in Marriages, Relationships & Families 21
10. Discount Codes ‘n Vouchers 21
11. House Buying, Renting & Selling 19
12. The Money Savers Arms 17
13. Savings & Investments 17
14. Mortgages & Endowments 16
15. Overseas Holidays & Travel 15
16. Discussion Time 13
17. I won! I won! I won! 12
18. Bargain Buys, Sassy Shopping & Fantastic Freebies 11
19. Credit Cards 11
20. Up Your Income 10
21. Benefits & Tax Credits 10
22. Bankruptcy & Living With It 10
23. Ebay, Auctions, Car Boot & Jumble Sales 9
24. Techie Stuff 8
25. Budgeting & Bank Accounts 7
26. Employment, Jobseeking & Training 7
27. In my home (includes DIY) MoneySaving 7
28. Mobile Phones 6
29. Special Occasions & Celebrations 6
30. Gas & Electricity 6
31. Motoring & Public Transport 5
32. Greenfingered MoneySaving 5
33. Loans 5
34. Redundancy & Redundancy Planning 4
35. Mortgage-Free Wannabe 4
36. Disability & Dosh 4
37. Reclaim Bank & Credit Card Charges 4
38. Food Shopping & Groceries 4
39. Health & Beauty MoneySaving 4
40. I wanna buy-it or do-it 3
41. Pets & Pet Care 3
42. ISAs & Tax-free Savings 3
43. The (Consumer) Vent Board 3
44. Praise, Vent & Warnings 3
45. Regular Competitions 3
46. Pensions, Annuities & Retirement Planning 3
47. Insurance & Life Assurance 3
48. Weddings & Anniversaries 3
49. Pure Money 3
50. Student Money Saving 3

Discuss this blog

Should I train bank staff … provided they check the spelling?

One MoneySaver, Chris, sent me an e-mail. He was doing a survey via Home Of research for a bank (he did say which he thought it was, but, as he wasn’t 100%, I won’t include it). It was about things it could do to increase customer satisfaction, and improve itself from a customer perspective. One option was using, what I can only assume is me, to train its employees.

Here’s a screen grab he sent:

Now the first thing I noticed was the name was Martyn Lewis, not Martin Lewis, so of course there’s a chance it’s about the former newsreader, but that does seem ridiculously unlikely.

I must admit, if I were asked to help train bank staff I’d be in two minds. I’ve done corporate speeches for financial services companies in the past, mainly along the slightly wry title of “you’re the enemy and we’re going to get you”, which is an explanation of my view about the adversarial relationship between consumers and companies. So being involved in training is an interesting concept.

Yet the truth is I’ve never believed any bank is good or bad, only their products, so to be right you’d want someone in Barclays saying “Alliance & Leicester’s account gives a 0% overdraft” or someone in Alliance & Leicester saying “Barclays cash ISA pays much more than ours”, and somehow I’m not sure the bank bosses would want this kind of training.

Comment and Discuss

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