July is Scams Awareness Month – here’s how to spot a scam Scams are schemes to con you out of your money. They can arrive by post, phone call, text message or email or a scammer may turn up at your home. It could be a scam if: the call, letter, email or text has […]
I recently signed a two year phone contract with a new network provider but the reception in my home is terrible. Is there any way I can get out of the contract, or have I just got to stick with it? While poor signal doesn’t give you a right to cancel your contract, you should […]
I have read about changes to the law coming in April 2017. What are they and how can I find out more? A good starting point is always www.citizensadvice.org.uk. This is an up-to-date website where the information is from reliable sources. April usually sees a raft of changes to law and this year is no […]
My energy supplier has just contacted me to say they intend to install a smart meter at my house. I understand this means they can access information about my fuel use directly and this will help make my bills more accurate, but it surely also gives them access to information about me that I may […]
I live in a rented house with inadequate insulation. I have received heating grants in the past, but my energy supplier had told me I am no longer eligible. My landlord has promised to do something about it, but has done nothing for getting on for two years. I have health problems, and really need […]
I have been offered a job on a zero hours contract. What does this mean? ‘Zero hours contracts’ are generally contracts of employment which do not specify the number of hours that you are required to work. The employer is not obliged to provide any minimum working hours, and the worker is not obliged to […]
Advice Column – I am considering taking out Payment Protection Insurance. What do I need to think about?
When you take out a loan, credit or store card, you’re often asked to take out an insurance policy at the same time. The policy is meant to cover the loan or card repayments if you become unable to afford them yourself because of illness, unemployment or because you have an accident or become disabled. […]
My partner with whom I have had a long-standing relationship died unexpectedly a short time ago. We were not married. Although we had talked about it quite a lot we had not got round to making a will. I know he would have wished me to inherit his estate, but, without a valid will, where […]
Time limits for recovering debt in court – statute barred debt There are time limits on when some creditors can go to court to get you to pay an old debt. If the time limit has passed, the debt is known as ‘statute barred’ – it means that the creditor can’t get a court to […]
Advice Column – I have heard that there will be 30 hours free nursery education for 3 and 4 year old children?
I have heard that there will be 30 hours free nursery education for 3 and 4 year old children? Is this available now? If not, when will it be available? Childcare Minister, Sam Gyimah announced that some councils across the country will be funded to deliver 30 hours of free childcare for 3- and […]