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MoneySaving polls
Archives for January 2011
Discussion List
'Should we split the banks up?' poll discussion
Poll started 18 January 2011: Should we split up the banks? Too big to fail, that's the cry. The independent commission on banking is debating whether we should split banks into their retail (the old fashioned credit cards, mortgages, savings etc) and investment arms (the gambling bit, trading, derivatives markets,…
'Are mortgages & credit too easily available or too hard to get?' poll discussion
Poll started 18 January 2011: Are mortgages & credit too easily available or too hard to get? We've had a credit crunch which means credit scoring's got tougher and mortgages, credit cards and loans are harder to get especially at cheap rates. Yet a chunk of the blame of the economic crisis that caused the crunch was…
Real life MMD: Should SIL help with fuel?
Please give this MoneySaver the benefit of your advice... Should SIL help with fuel? My sister-in-law will be joining my wife and I on a touring holiday in the US. She has paid her own airfare, hotel etc but we've hired the car and I wonder if she should contribute to the car hire and fuel costs. If yes, should it be 1/3…
'Do you think you get good value from paying tax?' poll discussion
Poll started 11 January 2010: Do you think you get good value from paying tax? We pay tax as a cost of living in the wider civil society, so that all the functions it requires, both for us and others are met. Yet if we were (probably wrongly) to think in purely selfish terms, do you feel you gain more than you lose? Total…
Real life MMD: Too late to claim for wedding cheque?
Please give this MoneySaver the benefit of your advice... Too late to claim for wedding cheque? I got married 3 years ago, and a friend of mine gave me £200 for a wedding present. When we came back from honeymoon we had £200 missing from our wedding money which we couldn't find, so we wrote it off as 'lost'. Yesterday I…
'Have you started your Christmas (2011) shopping
Poll started 04 Jan 2011: Have you started your Christmas (2011) shopping? Christmas has only just passed, yet there are bargains to be had in the sales – so how far ahead do you shop? Which of the following have you already bought for Christmas 2011? Tick as many as apply Christmas cards - 3,102 votes (39 %) Wrapping…
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MSE News
Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
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