Ditch outrageous O2 & save, New Car Finance Complaint Tool, free £100 Amazon ends, £60 off Henry vac, top NO-FEE 0% debt shift

Plus... Due share of £240m energy back?, 25% off Disney code, 5.7% loan, £30 Soap & Glory, cheap wills

                                                           

04 November 2025 | View in browser

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THE TOP TIPS IN THIS EMAIL New. Martin: Free Car Finance Tool now covers all 3 mis-selling types... - Are you one of 14m due a typical £700? - What needs doing now? - How much will you likely be paid? - When will all this happen? Martin: Ditch O2... & get 35GB for £3/mth New. Top NO-FEE 15mth 0% debt shift Ends Wed. Free £100 Amazon voucher for OPENING a bank account £180 Henry vacuum £120 via code Due a share of £240m energy credit? Ends Wed. 25% off Disney toys code Cheap, solicitor-drafted wills Boots: £40 off Soap & Glory, £70 off No7 New. Cheapest loans now 5.7% Early Black Fri sales: Currys, John Lewis & more - any good? Podcast. Martin vs Ofgem boss: High energy bills, Standing Charges & more Question Time podcast. Will ISA changes hit what I've saved? & more 25% off Eurostar, eg, Paris return £58 TWO pairs of specs £14 via code 'I got £25k back after State Pension error' Poll: How do you rate your bank's app? Free trains for (ex-)armed forces this Sun This week's best buys: Free £200 bank switch, 4.53% savings & more Money Moral Dilemma: Should I give my neighbour the cash I made selling their railings? BEST BUYS & TOOLS MSE Cheap Mobile Finder Credit Club including free credit report 0% balance transfers Compare broadband deals MSE Compare+ Car Insurance Best bank accounts Top savings accounts Credit cards for bad credit Credit Card Eligibility Calculator Loans Eligibility Calculator Mortgage comparison Compare travel money Cheap Energy Club Best Sim-only deals

Martin: 'Did you use finance from Apr 07 to Nov 24 to buy a car, motorbike or camper van?' New. Our updated free Car Finance Complaint Tool now includes all 3 ways you may've been mis-sold. Are you one of 14m due a typical £700? A month ago, the financial regulator, the FCA, announced a consultation for the biggest consumer redress scheme since PPI, with a predicted £8.2 BILLION to be paid out. Within that, the definition of mis-selling was expanded. So I asked you then to hold for a few weeks while we updated our tool with the new rules, and to cover the wider group of firms now impacted. Thank you for waiting. Now we're ready - the updated complaint tool has just gone live, so let me take you through who can claim? and what needs doing now (even if you complained before)? Easier to listen than read? Tonight (Tue) 8pm or after on ITVX... We're back: ITV1 The Martin Lewis Money Show LIVE I'll take you through Car Finance Mis-selling and crucially I've the boss of the FCA, the regulator, joining me. If you've practical questions to ask me or him, email my show team on martinlewis@itv.com. Plus, I'll be helping you through the O2 price rise and lots more news you can use. This consultation is (hopefully) the final stage. While it's called a 'consultation', this is the regulator setting out its plans. Its focus is a simple-for-consumers redress scheme, where firms must proactively reach out to those mis-sold - to reach the max number of people. Barring legal challenge (there is some talk that firms are trying to make it difficult), my guess is there'll be few major changes. The plan is for the scheme to launch in early 2026. This regulator's scheme is only one option. There's also the option of going to court, where if you win, you may be awarded more (though 30%+ would likely go on claims firms'/lawyers' fees, which could change the maths). This is because it's likely the regulator has compromised somewhat to pre-empt the car finance industry doing a Judicial Review (if they did, I'd probably end up pushing people to court, which'd cost the industry far more on a case-by-case basis). Yet I've made the call to focus my and MSE's resources on supporting you through the FCA redress scheme... based on my past experience of major reclaim campaigns, the fact that court scares off many people, and as the huge majority of people contacting me say: "Can't they just make it easy and quick?" rather than how they can push it to the max. Crucially, too, the proactive nature of the scheme likely means millions more will get redress. So, all the info below refers to that - and is based on our best estimate of what we know so far, though please remember nothing is 100% set in stone yet. The 'am I likely impacted?' checklist. Those criteria to be covered by the regulator's scheme are.. Motor vehicle finance: Car, van, motorbike & camper van (not caravans, though, as this is only about motor finance). Eligible dates: Finance from 6 Apr 07 to 1 Nov 24. (It was to 28 Jan 2021, but now that the mis-selling criteria have been expanded, later dates are possible.) Finance types: Personal Contract Purchases (PCP) & Hire Purchase (HP). Leased cars are NOT included in this scheme. Vehicles for personal use. (Or sole trader or small partnerships for work, but then the finance must be under £25,000.) It applies even if owner passed away: The executor / beneficiary can claim. See help claiming for deceased relative's estate. It applies if vehicle is paid off: Or you no longer own it. You may've had multiple eligible car finance deals: Each finance agreement is separate, so if you had multiple deals, you may be due multiple payouts. So as long as you didn't fall foul of any of those criteria, you may want to join the 3.3m complaints already made via our tool. Under the redress scheme, there are now THREE ways you may have been mis-sold. You may've been mis-sold in more than one way, which is why the totals below add up to more than 14m agreements. With all of them, the key is that what was happening wasn't disclosed to you (it only was in a few % of cases), so... There's no way to know now if you were mis-sold without complaining. The whole point is they didn't tell you what they were doing! Discretionary Commission Arrangements (DCAs). 11.4m agreements. This has been our focus for two years, so if you've already complained, it was likely about this. Here, the interest rate was increased in order to pay the dealer or broker extra commission. DCAs were banned on 28 Jan 2021, so this only applies to finance agreements prior to that. New. Contractual ties. 3.2m agreements. This is where a broker didn't adequately disclose it was working exclusively with one lender, or that one lender had a right of first refusal, eg, the dealer said: "We'll go to a panel of lenders to find you the best car finance," but, in reality, one lender had first refusal, so the 'searching the market' bit was false. New. Unfairly high commission. 2.9m agreements. If the commission paid to brokers or dealers was BOTH over 35% of the total cost of credit AND 10% of the loan, then without disclosure, this is seen as likely excessive and thus mis-selling. What next? It depends on your situation What you do now depends on whether you've complained yet or not, and if you did complain, how you did it. And remember, if you had multiple agreements, treat each separately (though when complaining, if you had multiple with the same firm, you can do that complaint in one). Not complained yet? You needn't do owt yet, but I'd suggest you do use our FREE tool... Under the current plans, firms will have to identify and contact all the people who were mis-sold that they can, and ask if they want to OPT IN. That's quite something, but there is still a risk those who had older agreements, have moved house, or got married / changed name may miss out. So, my view is it's safer to put a complaint in (the FCA boss agreed when we spoke) via our free tool. Then you should be part of the group for whom it's all done automatically and at greater speed - as once you've complained, if you were mis-sold, they must contact you to say it's being processed and give you a right to OPT OUT (so you needn't do anything more if you're happy). New. MSE Car Finance Complaint Tool launches today The new version of our free complaint tool now incorporates contractual ties and unfairly high commissions as well as the Discretionary Commission Arrangements it had before. It also lists far more firms (as we excluded some before as they didn't do DCAs). Here's how it works... Answer a few questions on the details of your car finance. This includes your address when you got the policy, the car number plate (if you have it), the policy details (if you have them), and the name of the firm. See help if you don't have details. It then builds an email I drafted for you. It puts all your info in the right format (we've spoken to a few big finance firms to try and make it smooth) and asks whether you had a Discretionary Commission Arrangement, a contractual tie and/or unfairly high commission, and then says if you did, to count this as a complaint. It then prepares an email and fills in the right address to send it to. Which you can then review to check you're happy, then just click send. (PS: We don't data-mine or store your info). We've had amazing feedback on it. Here's just one example from Nigel: "Dear MSE, I wanted to thank you for providing the template on your website about how to make an inquiry and complain about car finance mis-selling. I didn't want to use one of those claims companies and I wasn't going to bother applying, but your tool made it so easy to do." Already complained using the free MSE tool (or any DIY route)? Over 3m complaints were sent via the prior incarnation of our tool, which solely focused on DCAs. What to do now depends on how (& if) the firm replied. If it said you DID have a DCA: compensation is very likely. So sit tight and wait until the redress scheme hopefully launches in early 2026. Then the firm should write to you saying if you're due a payout (it will also have to see if you were mis-sold in the other ways, too, though that won't usually impact what you get back). Crucially, you won't need to do anything. The payout should happen automatically (though it may ask you how you want it paid) unless your details have changed, or in what I guess would be the relatively unlikely event that you want to opt out of the scheme (eg, if you wanted to go down the court route instead). If it said you DIDN'T have a DCA (or didn't say anything). The regulator says even if you only complained about DCAs, the lenders must investigate ALL THREE mis-selling types for that agreement. Your claim is logged, so that should happen. Yet if you were mis-sold not due to a DCA but one of the other reasons, then frustratingly it hasn't been decided yet whether you will be in the opt-in or opt-out system. This isn't a big deal, as the lender now definitely has your correct contact info (unless it's changed since you first complained). Although as the opt-out system is likely quicker than opt-in, you may choose to resubmit a complaint using our updated tool that includes all three mis-selling categories to ensure you're in it.  I've signed up to a claims firm - what do I do? The redress scheme is designed to make it easy to get your compensation without the need for paid help, such as from a Claims Management Company (CMC), because the car finance firms have to be proactive in contacting you if they think you're due money back. Both the financial regulator and the Solicitors Regulation Authority (which regulate some claims firms) have come out to warn about claims firm practices, and they're both cracking down on misleading CMC adverts - with action having been taken on 740 of them in the last couple of years. If I've got a CMC deal and don't want it, can I cancel?  I suspect there may be more developments on this as the regulator looks into it more (and it's on our list to do more research on, too). Yet as provisional thoughts, this will often depend on the cost of cancelling versus the cost of staying. This is not an exact science though... If you've only just signed up for a claims firm, almost all of them give you the right to cancel within 14 days, so check that. Read how much am I likely to get below, to see roughly what your payout may likely be. Check your CMC contract to find out what percentage of the amount you get, they will charge. Usually it is 30% + VAT. Check your CMC contract to see if there's a cancellation fee. There usually is. Unfortunately, it's sometimes quite tough to know how much it is (it may be based on a charge for 'work done'), so you may need to contact it to ask. Also check when it's payable, on cancellation (ie, immediately) or on payout, and factor this in to what you do. When you know all that, you're ready to make a decision - comparing the cancellation cost to the maximum cost of staying. I do worry the sums won't add up well for cancelling at the moment (do feed back how it stacks up for you), but the regulators do say you should only be charged a reasonable amount for work done. They note most CMCs charge £60 to £80 per hour, so if yours is a lot more, you may want to question it (the FCA says one firm has halved its rate after it raised concerns, and another has capped its exit fees). We aim to do more work on this area. How much will you likely be paid out? The FCA estimates that under the redress scheme, people will get back 2/3rds or more of the commission paid, an average £700 (my guess is it's using that figure as a claims firm typically takes 30% of the cost, so it's making a point that this is just like all the commission minus claims firm costs). The calculation's the same whichever way you were mis-sold, even if you were mis-sold in more than one way (with the exception of a few thousand extremely high commission cases who'll get more). To get technical - so do skip this if it confuses you - the regulator will usually take the mean AVERAGE (ie, add these two up and then half the total) of... The reduction if your APR was 17% lower (deemed the typical market distortion). And the total commission paid to the dealer or the broker. Now this is NOT easy to know in each case, but as so many people have asked for an estimate of what they'll get, we've tried to come up with something, but it involves a lot of GUESS WORK, as there are huge variables. So see it as, we hope, a 'scale of magnitude', not a reliable answer. There's a difference depending on the type of case, as APRs were higher with DCAs. Guesstimate of car finance payouts Payout expected - based on finance length Finance amount 3yr 5yr £5,000 (DCA case) £460 £520 £5,000 (not DCA) £400 £450 £10,000 (DCA case) £550 £670 £10,000 (not DCA) £470 £560 £20,000 (DCA case) £720 £980 £20,000 (not DCA) £590 £780 £30,000 (DCA case) £890 £1,280 £30,000 (not DCA) £720 £990 To do this, we worked out the total loan amount using an average APR 11.9% for DCAs and 8.9% for non-DCA (though 6% to 15% is typical, where it's higher, bigger payouts are likely). We used the FCA's 'typical' commission amount, but again, that varies. We didn't include the high commission examples, where payouts could be far higher. PS: See my why car finance compensation figures are lower than many expected blog, if you're thinking that. Interest will also be added, but not much (not enough in my view). On top of that, you'll get interest of the Bank of England base rate + 1% (not compounded), over the time you were owed, added to the payout. This is one area where you may get a significantly better deal if you went to court - which ordered 'commercial rates' to be paid. This is bad for individuals and for the redress scheme, so I think the FCA should increase the rate, or at the very minimum, compound the interest. We have strongly put that in our consultation response. Though if you had extra costs due to the mis-selling (eg, you took out other debt or got into financial difficulty due to the car finance), you may later be able to argue for more interest. So keep hold of any bank statements or other documents that prove this. PS: The interest element (not the payout itself, just the interest) will be taxable, but we don't yet know if it'll be paid net or gross. We'll provide more help on that nearer the time. When will this all happen? This is all still out for consultation, which is due to close soon, though firms are threatening that they haven't had long enough to reply. I suspect they may end up getting a little extra time, which I don't see as a problem if it makes the process smoother - but, crucially, that mustn't delay the implementation of the scheme. The scheme is currently due to start in 'early 2026', which I take to read as probably Feb or Mar next year. The timings are roughly thought to be as follows (& I know many will be frustrated by this, as it's dragged on and on from the start due to legal challenge), but none of this is close to iron-clad yet. Opt-out scheme (those who've complained) - You should be contacted within 3mths of the scheme's start. - You should be told the redress amount within 7mths of scheme's start. - You should have the money within 9mths of scheme's start. Opt-in scheme (those contacted without complaining) - You should be contacted within 6mths of the scheme's start. - You should be told the redress and paid within 17mths of the scheme's start. I do have serious concerns, especially with the opt-in scheme, about scammers taking advantage to use it to try to data mine. We're making suggestions to the regulator to try and pre-empt this, eg, I want to see different envelope colours for the two types and an easy route to contact firms if you're sceptical the correspondence is legit, without using the info on the correspondence (eg, a three-digit number to call for all finance firms, similar to the banks' 1-5-9 number). PS: The FCA boss is on my ITV1 show tonight (Tue 8pm). I may get a few more answers then, which will go into the updated car finance mis-selling guide if we do. Do remember too this is a moving situation.

 

 

DON'T believe the fake 'Martin Lewis' or 'MSE' ads Lots of scam ads litter social media and even newspaper websites - some of these lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning.

 

 

 

Martin: 'Outrageously, O2's hiking its price hike! So you have a short-lived RIGHT TO LEAVE mobile contract penalty-free. Urgently check if you can ditch, switch & save large'  Eg, switch to 35GB data for £3/mth with cheaper-than-chips Sims O2 is contacting customers to tell them it's hiking prices by more than it said it would when they signed up. As I said last week, this is outrageous - O2's making a mockery of Ofcom's rules (includes a video explainer/rant) - and puts all mobile, broadband and pay-TV customers of every firm at risk. I've since seen many angry customers saying: 'Right, I'm going to leave at the end of my contract', but that misses the key point... As O2's hiking prices by more than it told you when you signed up, it must let you leave penalty-free... within 30 days of notification. So while the rise only hits next April, as it's notifying people now, be prepared to ACT NOW. As many O2 customers are already paying more than they need to (see Cheap Mobile Finder) and O2's behaviour feels disreputable, it deserves a corporate bloody nose. Customers ditching it should damage its brand and help prevent it (& others) doing this again. Last week, I wrote a letter to the Chancellor (cc'ing Ofcom & the Department for Science & Industry) asking her to urgently change the rules. And yesterday I spoke to Liz Kendall, the Sec of State who covers this, who I'm pleased to say was also up in arms, and has written to Ofcom to ask for it to look at hardening its stance. Now on to three practical options to consider if you've been notified of the O2 rise... Leave O2 & find the cheapest Sim deal on any signal. Use the Cheap Sim Finder tool, as Chris just emailed: 'Thanks for the O2 bit. I was miffed and fed up with being played for a fool by huge companies. So, you emboldened me to act. I've gone to Lebara on a 30-day contract saving £5/mth [£60/yr]! Thank you so much.' Leave O2 but find the cheapest Sim staying on O2's signal. Sky, Giffgaff & Tesco are among the virtual network operators that pay O2 to piggyback on its signal, so you should get similar reception. Our Cheap Sim Finder comparison tool lets you filter to see the cheapest deals on the same signal. Do double-check the features though (eg, Wi-Fi calling), don't assume they stay the same. As for how good they are, see our there's no noticeable difference for most study report. Stay at O2 but try to haggle down the cost. Benchmark the cheapest deal elsewhere, call O2 and politely explain you can leave, but want to stay if it makes it worth your while. See our haggle down mobile costs guide for more. And do please feedback how this works (it's not been tried in these circumstances before as this is a new scenario). Example cheapest Sim-only mobile deals compared Cheapest (1)  Cheapest on O2 signal (1) Typical O2 cost over 2yrs (2) Lebara (uses Vodafone signal) on rolling 1mth contract (3) - 35GB at '£2.57/mth'. £2.40/mth for 6mths, then £6.90/mth and you'll be emailed a £25 Amazon / shopping voucher. With all factored in, it's £2.57/mth over 12mths. Sky on 12mth contract - 3GB at £5/mth - 10GB at £6/mth - 50GB at £11/mth O2 - 3GB '£19/mth' - 10GB '£21/mth' - 40GB at '£25/mth' iD Mobile (uses Three) on 12mth contract - Unlimited data at '£12.21/mth'. £8/mth for 3mths, then £16/mth and you'll be emailed a £21.50 Amazon / shopping voucher. With all factored in, it's £12.21/mth over the contract. Giffgaff on 18mth contract - Unlimited data at £15/mth O2 - Unlimited data at '£35mth' (1) Deals from our mobile comparison tool. (2) Based on current deals direct from O2.co.uk including the £2.50 rises in Apr 2026 & 2027 - cost averaged over the period. (3) Lebara also has Sims with less monthly data but they're more expensive than the 35GB Sim so we haven't included them. To keep your number when switching, text 'PAC' for free to 65075. Then you get a code to send to your new provider, which will transfer it over, usually in one working day. (Some providers will ask for your date of birth to confirm your identity. Also this text may not work if you're on a contract with more than one phone.) O2 customer? Quick FAQs: I have a contract with O2 (Sim + handset). Do I need to pay off the handset in full before I can leave? We've challenged O2 on this and it says your airtime and handset contracts are separate, you do NOT need to pay your handset off in full before you can leave your airtime plan, but you will of course need to keep paying it monthly. I'm also a Virgin Media customer, will I lose my Volt benefits if I leave O2? Generally, yes, so factor that in. If I leave O2 for a piggyback network, will I lose O2 Priority? Yes, that only comes with O2.

 

New Series The Martin Lewis Money Show Live starts tonight (Tue) 8pm ITV1. Don't miss it or watch back on ITVX. Ends 2pm Wed. Get £100 Amazon voucher just for OPENING (not switching to) a new bank account. New & existing Santander customers who open a new current account via the links below and spend 30 times on the debit card within 60 days (if that's a lot, just split your supermarket shopping up to qualify) will be emailed a link to claim a £100 Amazon voucher from 12 Feb 2026 (if not, check your spam). Full info's in our Santander review, but we'd focus on two accounts... - The Everyday* account is its bog-standard fee-free account, so is your best bet if you just want to grab the voucher. - The Edge* account costs £3/mth but pays 1% cashback (max £10/mth) on household bills paid by Direct Debit (or the Edge Up* if you've bigger bills, as it pays a max £15/mth cashback on bills for a £5/mth fee). £180 Henry vacuum £120 via code. MSE Blagged. Includes 8 tools + delivery. 2,000 available. Henry Are you due a share of £240m sitting in old energy accounts? If you've moved home or switched suppliers in the past five years, do a quick energy account check. Ends 11.59pm Wed. 25% off Disney toys code. Flash code gets 25% off 100s of toys, costumes and stationery. Disney Cheap, solicitor-drafted wills via charity scheme. Solicitor-drafted wills are the gold standard, and you can get one in return for a suggested £120 donation (£200 for couples' mirror wills) throughout Nov. Book now via Will Aid. Boots 'Star Gifts': £71 Soap & Glory £30 or £113 No7 skincare £39. See Boots Star Gifts for full analysis. New. Cheapest loans now 5.7%. Novuna (links via our eligibility calc) has cut its rates, making it cheapest at 5.7% rep APR interest on £7,500 to £25,000 loans. Your cheapest depends on acceptance odds. Our eligibility calc will tell you where that's most likely to happen... Up to £3,000: lowest rate 9.9% | £3,000 to £5,000: 9.7% | £5,000 to £7,499: 6.5%. Is a loan right for me? They are for NEEDED (fixing broken kitchen, not a holiday-type needed), planned, budgeted-for expenditure. If in doubt, don't. If you need one, keep costs down by borrowing as little as possible and repaying as quickly as possible. Early Black Friday sales from Argos, Currys, John Lewis & more - any good? See our regularly updated Black Friday deals analysis. Martin vs Ofgem boss: Why are our energy bills among Europe's highest? | Can we scrap Standing Charges? | Is the Price Cap a rip-off? In Martin's main podcast this week, he challenges Ofgem boss Jonathan Brearley on why we pay more for energy than the rest of Europe, whether green levies are the real bill killer, when will standing charges be killed and more. Listen via BBC Sounds | Apple | Spotify & more. Question Time pod: Will ISA changes hit what I've saved? Safer to stick cash under the bed? A credit card for my eight-year-old? In Martin's Question Time podcast, you can ask whatever you like (within reason), and this week, you even asked what he had for tea. Again, listen via BBC Sounds | Apple | Spotify & more. Ends Thu. 25% off Eurostar, eg, Paris return £58. For travel between 24 Nov and 11 Mar. Eurostar sale

 

 

BLAGGED FOR MSE - £180 Henry vacuum £120 via code 2,000 available - Two pairs of specs £14 via code Ends 13 Nov	DID YOU MISS? - £11 one-litre Baileys - 25% off most railcards - Ends Sun. £350 Ninja Woodfire outdoor oven £189 - Spotify hikes prices by up to £24/yr - £59 Grüum home fragrance set £18 delivered

 

 

Got credit card debt? Many can save £100s or even £1,000s... New. Longest NO-FEE balance transfer so you can shift card debt to 15mths interest-free at absolutely no cost Need longer? Pay 0% interest till October 2028 with top new 35mth card A 0% balance transfer is where you get a new card that pays off debts on existing cards for you, so you owe it instead, but interest-free for a set time. Meaning more of your repayments clear the actual debt, rather than servicing the interest - getting you debt-free quicker. And we've a new top, absolutely no cost deal, the best since 2023. First need-to-knows, then best buys. Protect your credit score by finding the card you're most likely to be accepted for. Our Balance Transfer Eligibility Calc shows your odds of getting each card BEFORE you apply, minimising applications on your credit file. Go for the lowest fee with a 0% period long enough to clear the debt. Longer 0% cards usually have a bigger one-off fee (eg, 3% is £30 per £1,000), so if you can clear debt quicker, it's cheaper. Unsure? Play safe & go long. Usually rejected when you apply? There are poorer-credit-scorer 0% cards in the eligibility calc. Plus the free MSE Credit Club (easiest route is via the MSE App on Apple | Android) can analyse your credit issues. Longest 0% balance transfers for NEW customers (all links via our eligibility calc, so you can see if you'll be accepted) Can you repay (fairly) quickly? The top NO-FEE balance transfer deals. These cards are unbeatable if you can repay in time. For 'up to' cards, most (but not all) accepted get the full 0% length. If you're not pre-approved & our eligibility calc doesn't show what you'll get, the backup rates listed below are the alternative. - New. Barclaycard up to 15mths 0% (no fee). 24.9% rep APR interest after 0% ends. If you're pre-approved via the eligibility calc, you will get the full 15mths. If not, you may get the...  Backup rate: 7mths 0% (no fee), in which case the Virgin card below may be better for you if you've decent odds with it. - Virgin Money DEFINITE 13mths 0% (no fee). 24.9% rep APR. The top longest 0% cards that give you a DEFINITE 0% period (so everyone accepted gets this). - New. HSBC 35mths 0% (3.19% fee - min £5). 24.9% rep APR. (Existing HSBC customer? Use this eligibility link) - Barclaycard 35mths 0% (3.45% fee). 24.9% rep APR. - Santander 34mths 0% (3.15% fee - min £5). 24.9% rep APR. - Virgin Money 34mths 0% (3.25% fee). 24.9% rep APR. The next longest 0% cards - some have lower fees, but all are 'up to' deals. The lower fees mean some of these can undercut the cards above, but only if you get the full 0% length. - TSB up to 35mths 0% (3.49% fee). 24.9% rep APR. Backup rates: 32mths or 29mths (3.49% fee). Not in our eligibility calc - apply directly with TSB to check eligibility. - Lowest fee: MBNA up to 34mths 0% (2.99% fee). 24.9% rep APR. Backup rates: 33mths or 18mths (3.49% fee), or 14mths 0% (3.99% fee). Does the eligibility calc tell you the 0% length you'll get before you apply? YES. - NatWest up to 34mths 0% (3.15% fee). 24.9% rep APR. Backup rates: No set figure, instead it can be anything from 16mths to 33mths 0% (3.15% fee). Does the eligibility calc tell you the 0% length you'll get before you apply? YES. ALWAYS follow the Balance Transfer Golden Rules: a) Never miss the minimum monthly repayment, or you could lose the 0% deal & it'll cost far more. b) Aim to clear the card (or balance-transfer again) before the 0% ends, or the rate rockets to the higher APR. c) Don't spend or withdraw cash. It usually isn't at the cheap rate & withdrawals may hit your ability to access credit. d) If you don't transfer at application, you've often only 60 to 90 days to get the 0%. Check your card's terms. Quick balance transfer FAQs (click links for the answers) Q. Is it worth applying if my eligibility odds are low? | Q. What if my credit limit isn't big enough? | Q. Can I shift debt to existing cards too? | Q. Should I try to pay off my biggest debt first? SPOILER: NO. Full help and info, including options for poorer credit scorers, in Best balance transfers.

 

TWO pairs of specs £14 via code. MSE Blagged. Stack the code with existing offers. Delivery included. Glasses Direct 'I got £25,000 back & an extra £1,200/yr State Pension thanks to Martin!' Success of the week. If you took time off work between 1978 and 2010 to look after a child or someone with a long-term disability, you could be missing £10,000s in State Pension, like Sheila. She emailed in Oct: "I saw Martin's programme on 'Home Responsibilities Protection' and applied a couple of months ago. I've now received a letter to say my State Pension is going up £100/mth and that I'll also get £25,000 in back payments. So I would like to thank you - going to treat the family to a fabulous Christmas this year." If we've helped you save or reclaim (on this, or anything else), please tell us about it. Poll: How do you rate your bank's app? If you access your current account(s) via your bank's app, please let us know how you rate the app and its features (not the bank overall). Have your say Sun only. FREE train travel to Remembrance services for armed forces & veterans. Uniform or ID required. Travel to London on Saturday's free too. Remembrance rail travel

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: HSBC (check eligibility; existing customers use this link) 35mths 0%, 3.19% fee (min £5), 24.9% rep APR interest No-fee 0%: Barclaycard (check eligibility) up to 15mths 0%, 24.9% rep APR interest Best bank accounts Free £150 + £60 cashback: TSB Spend & Save Free £200 + perks: Barclays Bank Account Broadband top picks Fast fibre (100Mb+): Vodafone '£20.25/mth' Superfast fibre (500Mb+): Vodafone '£24.30/mth' On Universal Credit or similar? Check all discounted social tariffs Compare insurance deals Car: Use our Compare+ Car Insurance tool Home: Try our Compare+ Home Insurance tool Cheap loans £5,000 to £7,499: M&S Bank (check eligibility), 6.9% rep APR interest £7,500 to £15,000: Novuna (check eligibility), 5.7% rep APR interest Top savings accounts Top easy-access savings: Chase 4.5%, min £1 Top easy-access ISA: Trading 212 4.53%, min £1 Top one-year fix: LHV Bank 4.46%, min £1,000 Top energy deals Use our whole-of-market Cheap Energy Club Cheap Sims 31GB+ data: Lebara, '£2.57/mth' for 35GB

 

CAMPAIGN OF THE WEEK It's Number Confidence Week - check and improve your maths skills... Brushing up on your numeracy skills can make you feel more confident managing money. To help, the National Numeracy charity has a free 10-minute challenge to check your current level, then offers you tailored support to skill up. Take the National Numeracy Challenge.

 

THIS WEEK'S POLL How do you rate your bank's app? We want to know whether your bank's app is quick and easy to use, and what you think of its features. So if you access your current account(s) via your bank's app, please rate it (the app, not the bank). Vote in this week's poll.

 

 

MSE NEWS - Top story: 'Fix energy back-billing, broken smart meters and more', MPs urge in new report - Your Experian credit score might be about to drop

 

 

MONEY MORAL DILEMMA Should I give my neighbour the cash I made from selling their railings? My neighbour asked me to demolish and dispose of their patio wall with decorative iron railings. I did it as a favour and payment wasn't discussed. I took the rubble to the tip, but the railings wouldn't fit in my car, so I listed them on an auction website for 99p just to get someone to take them away. I was amazed when they sold for £100! I'm inclined to keep the money for my work, but should I hand it over to my neighbour? Enter the Money Moral Maze: Should I give my neighbour the cash from selling their railings? | Suggest a Money Moral Dilemma (MMD) | View past MMDs

 

 

MARTIN'S APPEARANCES (TUE 4 NOV ONWARDS) Thu 6 Nov - Ask Martin Lewis, BBC Radio 5 Live, midday Tue 11 Nov - This Morning, phone-in, ITV1, 10.20am Tue 11 Nov - The Martin Lewis Money Show Live, ITV1, 8pm

 

 

Important. Please read how MoneySavingExpert.com works We 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 Lewis What is MoneySavingExpert.com? Founded in February 2003, it is now the UK's biggest consumer help website, with more than 12 million users each month and about 8.5 million receiving this email. In September 2012 it became part of the MoneySupermarket Group PLC. Its focus is simple - saving cash and fighting for financial justice on anything and everything. The site has over 80 full-time staff, more than a third of whom are editorial - researching, analysing and writing to continually find ways to save money. More info: See About MSE. Who is Martin Lewis? Martin Lewis CBE is the founder and executive chair of MSE, as well as the founder of the MMHPI charity. He's an ultra-focused MoneySaving journalist and consumer campaigner with his own prime-time ITV programme The Martin Lewis Money Show, Radio 5 Live Wednesday show Ask Martin Lewis and weekly slot on This Morning, among others. More info: See Martin Lewis' biography. 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 santander.co.uk Financial Conduct Authority (FCA) Note MONY Group Financial Limited is authorised and regulated by the Financial Conduct Authority (FCA 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 MONY Group Financial Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips.