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Category: Research & Campaigns

Cancelled Flights and lost luggage drove almost 700,000 views of Citizens Advice guidance last year.

Citizens Advice is offering travellers some guidance and advice when your holiday plans meet a problem.

There are also some top tips to help your holidays run more smoothly.

Lots of useful information on :

Delays

Cancellations

Strikes

Lost Luggage

Airline goes under

Follow the link below for more details and stories and those important Top Tips.

https://www.citizensadvice.org.uk/about-us/how-citizens-advice-works/media/press-releases/cancelled-flights-and-lost-luggage-drove-almost-700000-views-of-citizens-advice-guidance-in-last-year/?utm_source=start+the+week&utm_campaign=a5a4b84440-EMAIL_CAMPAIGN_2019_06_28_12_58_COPY_01&utm_medium=email&utm_term=0_377248f79b-a5a4b84440-283964009&mc_cid=a5a4b84440&mc_eid=387657870e     

July 2019

Mobile Phone Users can now SWITCH providers with one simple text

Previously customers had to phone their mobile phone provider when they wanted to switch to a new firm.

They were then given a porting authorisation code ( PAC ) code to give to the new provider if they wanted to keep the same phone number 

But watchdog Ofcom says the need to SPEAK to a provider was one of the main factors stopping people from switching and customers often find themselves dealing with unwanted attempts by companies trying to persuade them to stay.

How to Switch by Text

1. Customers who want to SWITCH and keep their existing phone number text “PAC “ to 65075 to begin the process.

2. Their existing provider will respond by text within a minute.

3. They will be sent their switching code (PAC), which will be valid for 30 days.

4. The provider’s reply must also include important information about early termination charges or pay-as-you-go credit balances.

5. The customer then gives the code to their new provider and this company  must arrange for the SWITCH to be complete within one working day.

6. While most people want to keep their mobile phone number, about one in six do not. These customers can text “STAC” to 75075 to request a “service termination authorisation code.

July 2019


What is persistent debt?

Persistent debt applies to your credit card balance. If you’ve paid more in interest, charges and fees than you have repaid on your credit card balance over an 18-month period, you’ll be classified as being in persistent debt. Then your credit card provider has to get in touch with you to let you know and offer you help.

They also have to:

  • ask you to consider whether you can afford to repay more quickly
  • make you aware of the potential implications of continuing with low repayments which can include the possibility that your card could be suspended, and possible impacts on your credit file
  • let you know that if you cannot afford to repay more quickly, you can get in touch with them to discuss your circumstances so that they can help or, if necessary, you can get free debt advice.

I’m making minimum repayments, isn’t that enough?

Minimum repayments are set by credit card companies subject to minimum legal requirements. It’s the smallest amount the credit card company is happy to let you pay back per month. Paying only the minimum repayment over the short term can help you spread the cost of more expensive items. But minimum repayments long term become an expensive way to repay your debt.

Here’s the example in a table compared to paying back £150, £175 and £200 every month. These are worked out assuming you don’t spend any more using the credit card.

Repayment scheduleInterest paid in totalTotal paid backHow long it takes to repay the £5,000 loan
Minimum payment – First month £132.92, reducing every month after£7,277.84£12,277.8418 years 10 months
£150 every month, fixed£2,338.96£7,338.964 years 1 month
£175 every month, fixed£1,831.93£6,831.933 years 4 months
£200 every month, fixed£1,511.27£6,511.272 years 9 months

The easiest way to deal with being contacted by your bank or credit card company is to increase your repayment to a level that’s still affordable for you. Making small changes can save you hundreds or thousands of pounds.

Don’t think of it as a demand for money.

New rules mean credit card companies have to let you know when you could save money by changing how you’re paying back your credit card bill. It’s also a chance to look at your credit card balance and see if it’s costing you more than you want.

However, if you don’t do anything or haven’t sufficiently increased your repayments on your credit card after a further 18-month period, your credit card provider has to help you by offering ways of repaying more quickly, such as proposing a repayment plan.

If you don’t get in touch with them, can’t afford to repay your credit card debt faster or decline a repayment plan, you could have your credit card suspended.

 Always Good to Talk speak to your bank about the best option for you

Better off Forum Newsletter

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Energy Tool from Citizens Advice

Compare Domestic Energy Suppliers Customer Service

HOW GOOD IS YOUR ENERGY SUPPLIER? Citizens Advice launches new energy tool which ranks firms based on customer service

Price isn’t the only thing to think about when choosing an energy supplier. It might be worth choosing a supplier that gets the fewest complaints, or one that’s easy to contact – even if they’re a bit more expensive.

To help you make that choice, we’ve compared suppliers across 5 different categories and ranked them according to how good their customer service is.

We’ve given them an overall rating out of 5 – 1 being poor and 5 being excellent..We have measured Complaints, Ease of Contact, Bill clarity, Ease of switching and Switch guarantee to give an overall score.

Gillian Guy, Chief Executive of Citizens Advice, said: “We hope the tool will encourage suppliers to improve their level of customer service with customers now able to scrutinise their performance across a range of different service factors – from complaints to ease of switching “   Follow our link below

https://www.citizensadvice.org.uk/about-us/how-citizens-advice-works/citizens-advice-consumer-work/supplier-performance/energy-supplier-performance/compare-domestic-energy-suppliers-customer-service

BT Basic

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BT Basic is a low-cost service for people on low incomes who may otherwise find it difficult to afford a home phone line.

  • BT Basic (line rental and calls) costs £5.10 a month including a call allowance of £1.50.  
  • BT Basic + Broadband: line rental and broadband cost £9.95 a month including a call allowance of £1.50.
  • Monthly price cap.  BT Basic customers can now make as many calls as they like to local and national numbers (starting with 01, 02 and 03), UK mobile numbers (starting with 07) or 08 numbers and pay a maximum of £10 a month. This means that customers will not pay any more than £15.10 a month for line rental and calls (subject to fair use and keeping within the eligible call types for the call allowance and price cap). The £10 price cap is automatically given to all BT Basic customers. 
  • Option of monthly billing to help with budgeting.

Eligibility

To get BT Basic, applicants must be getting one of these means-tested benefits:

  • Income Support 
  • Income-based Jobseeker’s Allowance
  • Pensions Credit (Guaranteed Credit) 
  • Employment and Support Allowance (Income related) 
  • Universal Credit (and on zero earnings).

Different benefits with similar names exist, so please check carefully.

To apply for BT Basic, customers just need to fill out a one-page form.  BT checks directly with the Department for Work and Pensions (DWP) to confirm eligibility.

For more details on BT Basic, to understand the call types included within the call allowance, the price cap or the application process, go to  bt.com/btbasicdeal where you can also download a booklet on the scheme.

Eligible customers can get a BT Basic application form by calling 0800 085 7478.


Do I need a TV Licence?

2019

Do I need a TV Licence?

Live TV on any channel and BBC iPlayer

You need to be covered by a TV Licence to

  • watch or record programmes as they’re being shown on TV or live on an online TV service
  • download or watch BBC programmes on iPlayer.

This applies to any provider you use and any device, including a TV, desktop computer, laptop, mobile phone, tablet, games console, digital box or DVD/VHS recorder.

Pay for your TV Licence

A standard TV Licence costs £154.50. Find out about ways to pay. Find out about free, reduced fee and business licences below.

Find out if you need a Licence video

Watch our YouTube video to find out when you need a TV Licence.

Need to update the details on your current TV Licence?

Answers to your questions

What is live TV and when do I need a licence for it?

What about BBC iPlayer?

Don’t have a TV? You could still need a TV Licence for other devices.

Do I need a TV Licence to watch TV away from home?

For your home, business or organisation

For you and your home.

For your business or organisation.

You need a TV Licence if anyone on your premises watches or records live TV programmes on any channel, or downloads or watches BBC programmes on iPlayer, on devices provided by your business.

This applies to employees at their desks, in a canteen or staff area, and customers in waiting areas, shop floors or anywhere else. Find out more about licences for businesses or organisations.

Moving to the UK?

We’ve put together some useful tips to help you get organised if you are thinking of moving to the UK.

Think you don’t need a TV Licence?

  • No TV and not using a computer, laptop, phone or other device to watch live TV on any channel or any BBC programmes on iPlayer?
  • Empty property or unoccupied address?
  • Covered by another licence?

Please tell us if you think you don’t need a TV Licence.

If you still have questions take a look at TV Licensing FAQs where you can find all the answers in one place.