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MoneySaving polls
Archives for November 2013
Discussion List
Real-life MMD: Should I act as guarantor for oldest friend's son?
Money Moral Dilemma: Should I act as guarantor for oldest friend's son? A very good friend lost his job a year ago, but has since got a job and has an IVA in place. His son now wants to start a business. He's been turned down for a business loan of £5k and can't get a personal loan without a guarantor. My friend can't…
Should Scotland be an independent country?
Poll started 3 Dec 2013 The Scottish Government has launched its white paper ahead of the independence referendum due in 10 months’ time. The question that’ll be asked is: “Should Scotland be an independent country?” While only people in Scotland will vote, we wanted to see the answer from across the UK. Vote in this…
Real-life MMD: My pregnant bridesmaid needs a new dress - who pays?
Money Moral Dilemma: My pregnant bridesmaid needs a new dress - who pays? I'm getting married in March, and have just found out one of my bridesmaids is pregnant. She's obviously not going to fit into the dress she has, so she's told me she'll need a new one. I know I'm going to get judged for saying it, but I feel like…
Are you sick of being asked about cookies?
Poll started 25 Nov 2013 For about a year, the EU Cookie Directive's forced UK websites to ask if you’re willing to accept cookies (files that track what you’ve done) on your computer. The idea is to make websites more transparent, and to allow you to stop them tracking if you want to. But often, saying “no” means you…
When did you last go into a bank branch?
Poll started 19 Nov 2013 Barclays has just announced more bank closures. These days, many people access banking services online, via an app or by phone. So is the bank branch a dying need? How often do you typically use a branch – other than just to use an ATM/machine in there - for PERSONAL (non-business) banking? Click…
Real-life MMD:Slight damage, but free storage. Who pays?
Money Moral Dilemma: Slight damage, but free storage. Who pays? Six months ago a kitchen unit appeared in the area between my house and my neighbour's, packaged and sealed but with nothing written on the package. My neighbours said it definitely wasn't theirs and said I could do what I liked with it, so I put it in the…
Real-life MMD: Should I make homemade presents that won't be appreciated?
Money Moral Dilemma: Should I make homemade presents that won't be appreciated? My husband and I have very little to spend this Christmas. So to cut costs, I’m making presents. But my husband says his younger brothers wouldn’t appreciate anything homemade - he's suggested we buy them vouchers. We probably could, using the…
Have you put your heating on yet?
Poll started 11 Nov 2013 Winter’s coming and energy companies are hiking their prices. So have you turned your heating on at home yet? Vote in this week's poll Did you vote? Why did you pick that option? Are you surprised at the results so far? Have your say below clicking reply to discuss. If you haven’t already, join the…
Real-life MMD:Dogs destroyed neighbour's signed ball. Should we replace it?
Money Moral Dilemma: Dogs destroyed neighbour's signed ball. Should we replace it? Our neighbour's son kicked his football into our garden and our three dogs destroyed it. Apparently the ball was signed by Wayne Rooney and valuable. We were out, our dogs get into the back garden via a dog flap. The neighbour's threatened…
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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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