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Over 50s MoneySaving

Archives for December 2015

Deputy for finances - who pays?
Elderly relative has lost financial capacity and has no power of attorney. Her children are low paid or living on benefits. If they apply to be the deputy would they have pay the fee or could it legally come from relative's money? They are aware they need to act in her best interests but will struggle to fund it…
Freezing meals for elderly
My Mum in law does not cook for herself anymore, and I started freezing dinners for her, but now that is more or less the only dinners she eats. Trouble is I was freezing them in special Sisterna freezer to microwave plates with covers, but they take up a lot of room in her freezer. Are there any plates I can get that can…
Enduring Power of Attorney
Does anyone have experience with using an Enduring Power of Attorney? This is the older power of attorney i.e. pre 2007. I am the attorney for my father who is ill in hospital, and he's asked me to activate it. The solicitor who drew it up has told me this will cost £470 and will take 6-8 weeks for the process to complete.…
Care at home costs
My mother has been recently diagnosed with dementia. She has been referred to social services who have assessed her needs. It has been decided that she will need a visit in the morning and the evening to help her with her medication that she takes for diabetes. She does not own her own home ( renting from local authority )…
Watch out
Maybe we could warn each other about things The first is about bt caller display, it was free for me for a year but I now unexpectedly find that I have to OPT IN, even though I renewed my yearly line rental online a week or so ago. This sort of thing gets sneaked in and there must be a lot of people who will be paying an…
MSE News: Got a 1-yr Pensioner Bond? Your interest will plummet after fixed term ends
Nearly half a million savers will see the interest rate of their one-year Pensioner Bond plummet from 2.8% to 1.45% at the end of the fixed term... Read the full story: Got a one-year Pensioner Bond? Your interest will plummet after the fixed term Click reply below to discuss. If you haven’t already, join the forum to…
WASPI - Women Against State Pension Inequality
WASPI accept that state pension age must rise as people live longer. But feel that it's unfair that women were not informed personally in 1995 and 2011 when fundamental changes were made. https://www.facebook.com/WASPI-Women-Against-State-Pension-Inequality-877054125688402/timeline/ These changes affect over 500,000 women…
Continuing Healthcare Funding in Devon
With the disbanding of the NHS PCTs (Primary Care Trusts) the responsibility for administering NHS Continuing Healthcare (CHC) was passed to the CCGs (Clinical Commissioning Groups). CHC is available to people with severe and complex health needs and provides care funding in care homes and in peoples homes. The CCG in…
Discharged without a care package
My father who is 87 was discharged from hospital today, He was admitted on Sunday morning after a fall due to a urine infection. Discharged later in the day. Re admitted the following day, as the infection has gone into his blood. (Monday)they just seem to want to get him out all the time. He was discharged this afternoon…
HELP WITH TAX QUERIES FOR THE OVER 60's
Not sure if this is the correct Category for this post. Maybe a Mod will move it if it isn't. Sorry, I am unable to post the link but Google it and it should come up. It's called TAXVOL A charity for the over 60's who have tax queries and on low incomes. I was helped recently with a tax query about paying basic rate when I…
Over 40s/50s/60s/70s health checks?
I'd heard about these health checks for a few years now so when, at 64, I hadn't had an invitation I thought I'd ring the surgery to be a bit proactive. The receptionist seemed a bit vague and said I could make an appointment to see the nurse if there was something I was worried about. As there wasn't, I left it. Then when…
What do you call yourselves?
A question from my husband last night got me thinking. Background, he is 56 and about a month ago left paid employment. He is not seeking another job (though he might get a small income from a hobby in the future) and he is not drawing any pension. It is all going very well so far but he last night he was wondering what…

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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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Over 50s MoneySaving

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