Laden...
|
| - | - | - | - | - |
|
|
|---|
| DON'T believe the fake ads on Facebook |
|
For inspiration, here's Woody53's story that he posted on our forum: "I paid back £15,000 with lots of extra charges. When I saw the news about irresponsible lending, I reclaimed and received over £5,000 within eight weeks." Join Woody by using our new Payday Loan Mis-selling Tool & Guide. Here's the key info: How to check if you've been mis-sold. Payday loan firms should examine your finances to ensure you can afford the loan and the big fees. If this wasn't done properly and you shouldn't have been lent the money, or if it didn't make costs or the repayment timetable clear, you were mis-sold. See the full mis-selling checklist.What's the typical payout? It depends on your circumstances. People often get payouts of £100s, though the example above shows it can be £1,000s. If mis-sold you typically get all fees and interest back, plus another 8% interest on top of that total - see payouts explained. How to claim - NEVER pay a claims company, our tool does it for FREE. Now that people are having success - 60%+ of people who go all the way to the Financial Ombudsman Service win - claims company vultures are circling. Yet they often take £100s from any payout. Ignore 'em and use our new FREE Payday Loan Reclaiming Tool. It's been developed with complaints site Resolver, which we've been working with for three years. We've merged our template letters and experience with its technology. Enter your details - it helps draft the complaint, sends it to the lender, keeps track and makes it easy to escalate to the ombudsman if necessary. Some common payday loan mis-selling questions. Lots more in our Payday Loan Reclaim Tool & Guide. - Can I claim if I've paid back my payday loan? Yes, though in general it needs to be less than six years since you took out the loan. - Can I claim if my payday lender has gone bust (eg, Wonga)? The answer is not clear-cut - see gone bust help. - Will the record of a mis-sold loan and missed payments be taken off my credit file? Usually, but only if you ask for it. |
| Pssst... EXTRA 20% off code for 'secret' Office shoe outlet, eg, get £24 Adidas (£35 elsewhere). The high street chain flogs slightly scuffed & ex-display footwear online at huge discounts, and this week we've blagged you early access to an EXTRA 20% off code. Limited stock. Step this way How to find lost pension pots - there's £20bn missing. It can be easy to lose track moving from job to job, and new figures show the special pension tracker tool has been used 1.2m times so far this year. Starbucks hack - £1.30/day 'unlimited' coffee. MSE's Coupon Kid has a trick to cheapen your caff eine fix. Martin: 'Warning. Don't trust student loan statements - especially on the interest.' They're misleading & mean some risk losing £1,000s. Read his updated Student loan 6.3% interest - panic or pay it off? guide. Advent calendars with wine, cheese, gin etc - are they worth it? We sort the MoneySavers from the MoneyWasters. Advent calendar analysis |
|
|
|---|
| Ends Sun. Super-cheap FAST broadband & line '£17/mth' While Vodafone is best known for mobiles, it's making a splash with some tasty broadband deals this week - but you only qualify if you're not currently a Vodafone mobile or broadband customer. The standout is 35Mb average speed fibre broadband & line at just under '£17/mth' - if you've a need for fibre speed, anything sub-£20/mth is good value. So this is VERY cheap, and only about £2/mth more than the top 'slow' speed deal from Now Broadband, despite being 3x faster. We've this week's top deals below, listed by speed - all have just launched but won't be around for long. As all deals are postcode-dependent, use our Broadband Unbundled tool to find the best in your area (links below go there).
What broadband speed do you need? Standard avg 10-11Mb speed is usually fine for browsing or light streaming. Fibre - the term for fast broadband due to the fibre cables that deliver high speeds - is best for streamers, gamers or if many use it all at once. Yet even with fibre there are speed differences, and the faster you go, the more of a luxury it is. Big firms give estimated speeds before you sign up, and special tools can help you check your speed. | ||||||||||||||||||
| 3 potted plants £10 all-in (norm £30ish). MSE Blagged. 9cm gardenia, clematis & hydrangea. 15,000 sets available. Pot plants Free tool to help detect fake Amazon and TripAdvisor reviews. Not definitive but still useful. Also works with Apple's App Store & Yelp. See fake-review spotter. 48 Goose Island craft beers for £48 delivered (norm £76ish). MSE Blagged. 4,000 bundles avail. Beer Hawk Halifax mortgage-holder since 2010? You could be due some cash back. 10,000s were overcharged - see Halifax payouts. Shaving set £15 delivered (norm £38). MSE Blagged. Incl razor, 2 blades, gel & body scrub. Grüum set |
Tell your friends about usThey can get this email free every week |
| AT A GLANCE BEST BUYS
|
| 5 surprising ways to make money on your mobile Get paid for market research, to check Airbnb pads, spot jobs, snap photos & more Many of us are glued to our mobiles - to take selfies, send emojis, play games, or even... make calls. But if you're hooked to one you can also make it pay you, though as various jobs are often out and about, you may need to be mobile yourself (sorry...). So we've gathered the top mobile-friendly tips from our 36 Ways to Make Money Online & Top Online Surveys guides... New. Become a mobile market researcher. A free app pays you for doing market research, such as checking shops' prices and layouts. It typically offers £6 to £18 per job. Forumite Lenore13 says: "I've signed up to several 'micro job' apps - I've earned £42 in six weeks."New. Get paid for odd jobs, eg, Airbnb property checks. Earn £10-20 a time via an app for tasks such as spot-checking Airbnb properties or taking photos for insurers that need evidence of a claim. See odd jobs. Spot job ads in shop windows - the Xmas countdown is a top time to do it. Get Amazon vouchers for taking pics of vacancy signs and other job ads - windows are teeming with these as firms seek Christmas staff. Forumite benbenandme tried it: "I've been job-spotting for a couple of months, earned £120 so far." Get cash for iPhone pics (you don't need to be a pro). If you've taken a beautiful or useful photo, you could net anything from £2-£100s via an app. Sell photos Top 25 apps and sites that pay for your opinion. Willing to give views on Little Mix, politics or pasties? You can make cash filling in online surveys - and these days many are via app. 25 Top Paid Surveys |
| £126 TALKTALK HAGGLE - SUCCESS OF THE WEEK: "Saved £10.50/mth [£126/yr] by haggling with TalkTalk. I used your broadband compariso n tool to show me the alternatives on the screen while talking to TalkTalk. Many thanks." £30 free-range roasting-meat hamper (£43ish elsewhere). MSE Blagged. All outdoor-reared UK meat. Incl beef joint, steaks, sausage meat & bacon. Meat hamper |
| THIS WEEK'S POLL Netflix, gyms, Sky - do you use the subscription services you pay for? Subscription services are multi-billion pound businesses. Many know once they hook you in, you don't leave - that's why they offer you free trials to suck you in. So we've selected a range of major subscription brands and categories and want to know if you get value out of them. Do you use the subscription services you pay for? A typical MoneySaver spends 1-2 months' income on holidays each year. In last week's poll, we asked how much of your income (after tax) you spend on holidays. Over 10,000 responded and 1-2 months' income was the most popular option for couples, singles and families. Interestingly, almost 10% of those in a couple without kids spend 4+ months' income on holidays, while two in 10 singletons don't go on holiday at all. See full holiday spending poll results. |
| MONEY MORAL DILEMMA Can I buy a cheaper baby-shower gift? I've been invited to a baby shower, being held in a function room at a theme park. We've all been asked to pay £25 to get in, but this was roughly what I was planning to spend on a gift, and I'm reluctant to shell out £50. Is it OK to spend less on the gift? Enter the Money Moral Maze: Can I buy a cheaper baby-shower gift? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: Debt management plan dilemma |
|
|
|---|
| MARTIN'S APPEARANCES (WED 24 OCT ONWARDS) Mon 29 Oct - This Morning, ITV, from 10.30am MSE TEAM APPEARANCES (SUBJECTS TBC) Fri 26 Oct - BBC South West stations, Good Morning with Joe Lemer, from 5am |
| QUESTION OF THE WEEK Q: How important is customer service when choosing a new energy supplier? I understand the gas comes down the same pipes whoever supplies it, same with electric, but where does customer service come in? Dave, via email. MSE Andrew's A: It's down to you as to how important service is, but it can vary massively between suppliers. We've heard numerous ho rror stories, as well as examples of great service when you've needed to call your supplier. If service is important to you, use our good service comparison within our Cheap Energy Club to find firms with the best service. Please suggest a question of the week (we can't reply to individual emails). |
| HOW TO ARRANGE YOUR CUTLERY DRAWER That's all for this week, but before we go... parts of social media went into frenzy this week discussing the 'correct' way to organise a cutlery drawer. Many seem to opt for (from left to right) large knives, standard knives, forks and spoons - with teaspoons underneath. But is there really a correct way to do it? Share your thoughts and pics over on our cutlery drawer Twitter discussion. We hope you save some money, |
Important. Please read how MoneySavingExpert.com worksWe think it's important you understand the strengths and limitations of this email and the site. We're a journalistic website, and aim to provide the best MoneySaving guides, tips, tools and techniques - but can't promise to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong. What you need to know This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances - and remember we focus on rates not service. We don't as a general policy investigate the solvency of companies mentioned, how likely they are to go bust, but there is a risk any company can struggle and it's rarely made public until it's too late (see the Section 75 guide for protection tips). We often link to other websites, but can't be responsible for their content. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. Please read the Full Terms & Conditions, Privacy Policy, How This Site is Financed and Editorial Code. Martin Lewis is a registered trade mark belonging to Martin S Lewis. More about MoneySavingExpert and Martin LewisWhat is MoneySavingExpert.com? Who is Martin Lewis? What do the links with an * mean?Any links with an * by them are affiliated, which means get a product via this link and a contribution may be made to MoneySavingExpert.com, which helps it stay free to use. You shouldn't notice any difference; the links don't impact the products at all and the editorial line (the things we write) isn't changed due to them. If it isn't possible to get an affiliate link for the best product, it's still included in the same way. More info: See How This Site is Financed. As we believe transparency is important, we're including the following 'un-affiliated' web-addresses for content too: Unaffiliated web-addresses for links in this email johnlewisfinance.com, bank.marksandspencer.com, .sainsburysbank.co.uk, tescobank.com, santander.co.uk, moneysupermarket.com, confused.com, gocompare.com, comparethemarket.com, aviva.co.uk, admiral.com Financial Conduct Authority (FCA) Note MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). MoneySavingExpert.com Ltd is a company registered in England and Wales. Company Registration Number: 8021764. Registered office: One Dean Street, London, W1D 3RB. MoneySavingExpert.com Limited is an appointed representative of MoneySupermarket.com Financial Group Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips. |
Laden...
Laden...
© 2024
