Buy something from a store in cash and the store must obey the Sale of Goods Act rules. But what happens if you’re one of the growing band of voucheristas who buy without cash? In a nutshell your rights are identical. When you purchase goods or services you are entering into a contract between you and the...
Riding a scooter’s very different to driving a car. You need be extra vigilant as you’re less visible and there’s a big ‘it’s what the other fella’s doing that’s the problem’ factor. One specific issue that often rears its head (or wheelies) is people misunderstanding when I toot the horn. Many interpret it as an angry gesture,...
Stop early redemption penalties on student loans: the MSE consultation feedback The student loan system’s undergoing a radical overhaul that’ll hit new 2012 starters and beyond (not current students). Much has already been decided, such as the new £9,000 fee limit – but there’s still a proposal to levy penalties on those repaying early, which I think...
This quick blog is more to ensure there’s a permanent record than anything else. Last week I was on a debate panel for CCCS at the Liberal Democrat conference. One fellow panellist was the coalition Consumer Minister, Ed Davey, so I took the opportunity to ask him about the Financial Inclusion Fund (FIF). In a nutshell the...
Many homes can make £250+ savings by switching energy, but a large proportion don’t do it. Energy Secretary, Chris Huhne’s been widely quoted as blaming public laziness. As I’ve been nagging, pushing, and trying to persuade people to switch for 10+ years, I thought it worth noting down what barriers I’ve noticed. To be fair to Chris...
This is a shocking stat, but is absolutely true, and to prove it I want to show you the maths… It all started when I received this tweet from @benwatford86 @MartinSLewis America has reached a total national debt of 14.3 trillion. They only asked Wonga for £200.” It was meant as a joke, but it then occurred...
Turn on a radio phone-in, read a web forum, listen to people talking in the pub, and politicians are often described in disparaging terms and are accused of not ‘living in the real world’. Yet most MPs I meet from all parties are decent people, caring about big issues and wrestling with tough concepts to try and...
I almost put brown trousers on heading off to Parliament last Thursday morning. Scarily I’d been called to give evidence on financial regulation – not from a Commons Committee, but from a high ranking Joint Committee of Lords and MPs. But I was left more than a little gobsmacked at a couple of questions. What it’s all...
I’ve had on & off-air bust-ups with Ryanair over its new card this week. I find this really frustrating, as Ryanair should be a Money Saving Expert’s dream – super cheap flights genuinely enabling people to travel for next to nothing if they get it right. Yet it’s the fingle-fangled added charges on top that I find...
Massive changes are afoot to UK financial regulation. On Thursday I’m one of those being examined by the rather scary, Parliamentary, ‘Joint Committee on the draft Financial Services Bill’, on the impact new regulation will have on consumers. And I’d love your views before I go… What’s happening? It’s quite simple really…the Bank Of England’s new FPC...
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3 January 2024It is a national tragedy that getting on for a million pensioners, many of whom have been paying into the system for years, are missing out on a critical boost to their income. It's called pension credit, and this year it also means you get an extra £650 to help with energy bills.