10p Freddo, Martin asks MPs if they know their income, £21/mth 900Mb broadband, finally a TRUE energy comparison, free £225 ends, free National Trust day pass

And... Take Martin's Good Debt Bad Debt test, kid's tennis set £5, top 0% debt shift, car finance news

                                                           

07 July 2026 | View in browser

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THE TOP TIPS IN THIS EMAIL → New. Can you get megafast 900Mb broadband for £21/mth? - Cheapest UK-wide deals - Even cheaper local-area-only deals - Lower income? Long-term social tariffs - Martin: 'Ban mid-contract hikes!' → Finally a TRUE energy comparison → Take Martin's Good Debt, Bad Debt test → Ends Thu. FREE £225 bank switch → New. 10p Freddo → News. Motor finance payouts delayed → New. £25 cashback on top 0% debt shift → Martin asks MPs if they know their income → Free National Trust family day pass → MPs: 'There's a "moral duty" to overturn planned Student Loan hike' → The Packing Pod! Cut holiday costs → Kid's tennis racket, balls & sessions £5 → Will new ISA rules ruin wedding savings? → First Direct to axe 'First Directory' add-on → Staycation savers: '£9.50' hols & more → 'I won £3,000 on Pick My Postcode' → Achoo! 30 hay fever tablets 89p → 'Low Standing Charge' tariff trials launch → This week's best buys: 5% savings, 50GB Sim £3/mth, 5.9% loan & more → Money Moral Dilemma: Should I ask my late husband's ex to 'do the right thing'? → Quick deals: FREE cereal, Ikea 50% off ends, £5 Pizza Express & more

New. Can you get megafast 900Mb broadband for £21/mth? FOUR times average speed for HALF the average cost. Stop being ripped off, up your speed, and save. Millions are being ripped off, overpaying for sloth-ful broadband. Yet if you're out of contract, now's a great time to change that - there's a host of deals almost as hot as the weather. As usual, the cheapest aren't direct from providers, but via short-lived comparison site sign-up incentives when firms want to buy in more customers. Our Broadband Compared tool collates them - or use these deals as a benchmark to haggle with your existing provider. PS: Check our Cheap mobile comparison too. Typical out-of-contract broadband costs to benchmark against ... BT £70/mth 67Mb,  Sky £43/mth 30Mb,  Virgin £54/mth 132Mb Today's cheapest broadband deals include... Deals are postcode-dependent, so links via our Comparison to check 1. Top UK-WIDE new customer deals Ends 11.59pm Thu. Plusnet (part of BT) 2yr contract 145Mb broadband '£19.33/mth' Where: 70% of UK, link will tell you if you can get it before sign-up. Rate: £21/mth, rises to £25/mth in Apr 27 then £29/mth in Apr 28. Incentive: £120 on prepaid Mastercard, emailed after activation. All-in: £584 over 2yrs. Deduct the voucher, it's equiv to £19.33/mth. Service rating: 7.7/10 ('Excellent') Ends 11.59pm Thu. Sky 2yr contract 900Mb broadband & line '£21.42/mth'  Where: 70% of UK, link will tell you if you can get it before sign-up. Rate: £31/mth, likely to rise each Apr but its not pre-announced. Incentive: £230 prepaid Mastercard emailed within 4mths. All-in: £744 over 2yrs on current price. With voucher, it's £21.42/mth. Service rating: 7/10 ('Good') Important: Sky opts out of listing mid-contract hikes before sign up, yet usually still does it each April - but then gives you the option of leaving within 30 days of notification. Our (pure) guess is, in reality, it will be £3 to £5/mth higher on average over the two years. New. Vodafone 2yr contract 150Mb broadband & line '£18.88/mth'  Or 910Mb broadband & line '£21.46/mth' Where: 70% of UK, link will tell you if you can get it before sign-up. Incentive: A voucher, £145 for 150Mb or £155 voucher for 910Mb. for Amazon, Tesco, Sainsbury's or M&S, emailed within 4mths. 150Mb Rate: £22/mth, up to £25.50/mth Apr 27 & £29/mth Apr 28.  150Mb All-in: £598 over 2yrs. Deduct voucher it's equiv £18.88/mth. 910Mb Rate: £25/mth, up to £28.50/mth Apr 27 & £32/mth Apr 28. 910Mb All-in: £670 over 2yrs. Deduct voucher it's equiv £21.46/mth. Service rating: 7/10 ('Good') 2. Top LOCAL-AREA-ONLY new customer deals Many London boroughs, parts of Surrey & Sussex Community Fibre 2yr contract 500Mb broadband '£13.71/mth' Rate: £16/mth, rises to £19/mth in Apr 27 then £22/mth in Apr 28. Incentive: £115 prepaid Mastercard emailed within 3mths of 1st bill. All-in: £444 over 2yrs. Deduct the voucher, it's equiv to £13.71/mth. Service rating: 7.9/10 ('Excellent') Big cities eg London, Manchester, Bristol, Glasgow Hyperoptic 2yr contract 159Mb broadband '£17.34/mth'  Rate: £14/mth, then £18/mth from Apr 27 & £22/mth from Apr 28. Incentive: None All-in: £416 over 2yrs, equiv to £17.34/mth. Service rating: 7.2/10 ('Good') Around 2.3m households (ie, 8% of UK) Giffgaff 2yr contract 218Mb broadband '£20/mth' Price: £5/mth for 6mths, then £25/mth for the remaining 18mths. Incentive: None All-in: £480 over 2yrs. With the discount price, it's equiv to £20/mth. Service rating: No score (not enough ratings) 3. Long-term SOCIAL TARIFFS for lower incomes On Universal Credit or similar benefits? Try a social tariff. Many providers offer special discounted social broadband tariffs, which give long-term cheap prices of usually £13/mth to £20/mth for 30Mb+. Add your postcode via the link above and, within your search results, you'll see the social tariffs local to you. Service ratings are done via a large, nationally representative YouGov survey, see our new broadband provider rankings. Slow broadband? Before switching, test your speed - is it the Wi-Fi or the connection? Run a speed check - first via Wi-Fi, then (if you can) by plugging your device into the router. Wi-Fi's a lot slower? Try our speed-boosters. At least 50% of customers must get the advertised speeds at peak times. Plus, all major providers (not locals) must also show your estimated minimum speed before you apply. You don't need to contact your current provider to switch. Under Ofcom's 'One Touch Switch' rules, your new provider handles it all, so it should be smoother. You'll be told when it's happening, and downtime is usually only about two hours. Most won't need an engineer - except if you're moving to or from Virgin, a local network, or getting fibre to the premises (FTTP), as that needs a new fibre cable installed into your home. Cashback site members can occasionally undercut deals. In some cases, the cashback can mean these sites undercut promos elsewhere, though sometimes the deal differs - so check carefully. More in Top cashback sites. Martin: Ban mid-contract broadband price hikes! Last week I told a committee of MPs: "The only thing that isn't obvious is why we don't just do the obvious and ban, at the very least, above-inflation mid-contract hikes." You can see evidence of the problem in our best buy table above. When we list prices, we have to include a price change each April, and then calculate an average price to try and aid comparison.  It's worse with Sky. Even though we know it also usually does April hikes, it uses a 'get-out-of-jail' free card - it can raise prices mid-contract without telling you in advance, as long as it lets you leave penalty-free within 30 days of notification. During the evidence session to MPs, I took my chance to explain how predictably disappointed I am in Ofcom's new-ish, flaccid 'disclose mid-contract price hikes in pounds and pence upfront' rule for broadband and mobiles. I presented the MPs' Committee with our powerful new research showing 75% of people pay more due to Ofcom's rules and 99% would be better off if above-inflation hikes were banned. While there, I also got to talk about broadband social tariffs and explain why too few get them:  Firms under-publicise them | They're not in comparison site results (barring ours, obvs) | Speeds are too slow  Plus, sitting next to me was Anne Pardoe of Citizens Advice, who suggested social tariffs should be done by switching to a voucher system. I loved that idea, and we will be supporting it.

 

 

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: 'It's the SWEET SPOT to compare energy prices, as finally your comparison result will show the real saving. Many can fix & save £200+. Check NOW!'  With the sun shining, it may seem weird to talk energy again. Yet this is the perfect moment. Most people in Eng, Scot & Wales saw their energy costs rise an average 13% last week. That's because if you're one of the 60% of homes on your firm's standard (not fixed or special) tariff, then your rates follow Ofgem's Price Cap. That Cap moves every three months, 1 July being the latest change. The big must-read message: Why now...? If you're on a standard tariff - or imminently will be when your fix ends - compare TODAY. While we've known prices will rise for weeks, finally the savings shown are against the new, higher Cap, so it's a true comparison. That's strengthened by the fact we're now halfway through the assessment period for the next (Oct to Dec) Cap, so we've a pretty good idea it'll stay at roughly the same high level. Plus, analysts' crystal balls aren't currently expecting much change in the Jan Cap either. So if a £250/yr saving is shown today, it is likely pretty realistic. When you compare the full Price Cap predictions with the the cheapest fixes - which let you lock in a rate 16% cheaper than the current Price Cap - those fixes look a no-brainer, if the analysts are right. Though, as always, your exact winner depends on location and use, so use our whole-of-market Cheap Energy Comparison to get your exact results. As an indication, here's the team with the best buys (and no, you don't need a smart meter for most of them)... The cheapest ENERGY FIXES  Links go via our comparison to give you a bespoke result (exact Standing Charges & Unit Rates listed there) Cheapest overall on average Fuse Energy July 2026 Fixed (13m) v5 13mth fix. Dual fuel & single fuel | Monthly variable Direct Debit | £50/fuel early-exit fees | No smart meter required (though fine if you already have one) | Allows new and existing customers to switch.  Save avg 15.6% compared with today's Price Cap, incl £20 MSE dual-fuel cashback for new customers only.  Likely cheapest for higher users, depending on region Outfox Energy Outfox the Price Cap Fix'd DUAL July 26 - 15M V6 15mth fix. Dual fuel only | Monthly fixed Direct Debit | £75/fuel early-exit fees | No smart meter required (though fine if you already have one) | Allows new and existing customers to switch. Save avg 15.2% compared with today's Price Cap. Good for existing EDF customers (and those who want a big name) EDF Exclusive Jul27v4 12mth fix. Dual fuel or elec only | Monthly fixed Direct Debit, Monthly cash / cheque | £50/fuel early-exit fees | No smart meter required (though fine if you already have one) | Allows new and existing customers to switch. Save avg 14.1% compared with today's Price Cap, incl boosted £40 MSE dual-fuel cashback. Cheapest Smart prepay fix EDF Simply Fixed July27v2 12mth fix. Dual fuel or elec only | Monthly fixed Direct Debit, Monthly cash / cheque, smart prepay | £50/fuel early-exit fees | No smart meter required (though fine if you already have one) | Allows new and existing customers to switch. Save avg 2.3% compared with today's Prepay Price Cap.  We don't think this is a great deal as it's only slightly below the Cap, so it's only for those who really value price certainty.  What is MSE cashback? Some providers pay energy comparisons to facilitate the switch (at the same price as going direct). Unlike other sites, we don't hide tariffs that don't pay. We show them all, and when we get paid, we give you a chunk as cashback. So they're relatively cheaper for you, and more people are likely switch to them. Win-win. PS: We're beta testing our new Pick Me A Tariff tool within Cheap Energy Club, which may make things easier. It's early days, but if you want to try it, please do - we'd love your feedback. What if a variable deal comes up cheapest? There can be cheap variable deals that just undercut the cheapest fixes. So you may choose to go with one and cross your fingers it'll stay cheap (it can move any time). Yet it's worth asking yourself how much you're willing to pay for the certainty of no price hikes for a year or more. It's your call.   Already on a fix? Re-fixing right now isn't an automatic winner. Unlike people on the Cap, you're likely currently paying less than today's cheapest fixes, so you'd need to pay a premium to fix now. Whether that's worth considering depends on when your fix ends. If it has under 50 days to go, then at least you're free to switch, as they can't charge you early exit penalties. So if you're risk-averse and want the safety of locking in again, a comparison is worth a look. Yet if your fix has 50 or more days left to go, it'd feel odd to pay an exit fee in order to move to a more expensive tariff. So Martin says: 'My instinct (based on pure guesswork and without a crystal ball) is if your current fix is materially cheaper than you can fix for now, stick on it as long as you can, and hope new fixes will be a similar price or cheaper when you near your current fix's end. At the very least, you'll have saved in the meantime.' Very low user? A lower Standing Charge tariff may beat fixing for you. The daily charge just for the facility of gas or electricity makes up a huge chunk of many low users' bills. EDF's tracker tariff is essentially a Price Cap where the Standing Charges are discounted by £50/yr. It's good, but ONLY for very low users (eg, under roughly £80/mth use). A few customers may also be eligible for new limited trial low Standing Charge tariffs. PS: Watch Martin telling MPs the Standing Charge is a moral hazard. Specialist tariffs if you've got solar panels, an electric vehicle (EV), or are a sophisticated user. For most, a fix is the easy way to lock in a price. Yet there are specialist tariffs that may beat it - our solar panels energy tariffs, and EV tariffs guides are worth looking at. For sophisticated users, especially those with batteries, Octopus has two highly volatile tariffs which can sometimes be big winners when used right: Agile (electricity price changes every half-hour) and its dual-fuel or single-fuel Tracker tariff (price changes every day). Could it be cheaper to fix in a few weeks? Yes! It could be cheaper - or much more expensive. If the Middle East conflict properly ends, it's possible cheaper fixes will be available. Yet as you can now fix at far less than the current Cap, every day you wait is a day paying more. Focus on how risk-averse you are: the less you can afford big hikes, the safer it is to fix now. And if things radically changed in future and much cheaper tariffs became available, you could always pay your fix's early-exit fees and leave.  Struggling to afford my energy bills - what do I do? Start by cutting usage with our 70+ energy saving tips and energy mythbusting guides. If you still need help and may not be able to pay, it's always better to communicate in advance with your energy firm rather than not pay, as there can be hardship & debt grants. For far more guidance, see our full What to do if you're struggling to pay energy bills help.

 

Ends 2pm Thu. FREE £225 to switch to top bills or joint bills current account. Right now, via this specific link, Santander Edge* newbies switching to it get the normal £180 cash plus a £45 Amazon voucher. It's the top account for (joint) bills, as while you pay a £3/mth fee, it gives 1% cashback on bills paid by Direct Debit - council tax, energy, water, broadband, mobiles etc (max £10/mth) - putting most homes easily in profit. If you open it, you can also open its linked 6% easy-access saver for up to £4,000, and regular saver paying 8% on up to £200/mth. For full review & eligibility info, plus details of other top switchers accounts - including a hot new deal for existing Co-op Group customers - see top free-cash bank accounts. New. 10p Freddo, free £3.50 chicken or pork frankfurters, 50% off Crosta Mollica pizzas & more coupons. See 40+ supermarket savers. News. Motor finance reclaim payouts delayed again. See Car finance news. Related: Free complaint tool. New. £25 cashback for shifting debt to top DEFINITE 36mth 0% 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. HSBC's 36mth 0% (3.19% fee) card (existing HSBC customers use this link) is the joint-longest definite 0% card, plus accepted newbies who apply by 10 Aug and transfer £500+ within 60 days get £25 cashback. Factor that in and it beats all other long definite cards. Golden rules: Repay at least the monthly minimum & clear the card before the 0% ends, or it jumps to 24.9% rep APR interest. Full info & more options in Top balance transfers. Martin asks MPs: 'Do you know what your equivalised income is?' New videos. Clips of Martin's plain-speaking evidence to the Public Accounts Committee of MPs on utility regulation (or lack of) have gone viral, from PoliticsJOE to speech experts discussing it. Here's a few, or watch the full session: - He asks MPs: 'Do you know what your equivalised income is?' - Evidence to MPs #1: 'The biggest energy bills complaint I get is on the Standing Charge.'  - Evidence to MPs #2: 'Why should you have to tell firm after firm that you're vulnerable?'  - On utility regulation: 'It's crap, confusion tends to rule.'  PS: Do sign up to Martin's YouTube for more news and help videos. Free National Trust family day pass (normally £35ish) in £1.50 paper. Excl Scotland sites. National Trust MPs: 'There's a "moral duty" to overturn planned Student Loan repayment hike.' Martin's long condemned the Chancellor's planned freeze of the Plan 2 repayment threshold next April as 'immoral and a breach of natural justice'. So this is an important moment, as the influential cross-party Treasury Committee of MPs echoes that language in its new Student Loans: Broken & Unfair? report. Related: MSE's submission to the Committee. The 'Packing Pod' joins our 22 summer holiday abroad tips & tricks. Last week we gave you 22 do-now holiday tips, including cheap Euros, flight seats, travel insurance, lounge access & more. Now also listen to Martin's new Packing Pod, where he explains these in detail. Available via BBC Sounds | Apple | Spotify, etc. A fiver for a kid's tennis racket, set of balls & taster sessions. From the Lawn Tennis Association (LTA). This was popular a few weeks ago, and now with Wimbledon on, it's back with 5,000 more tennis starter kits available. Will the new ISA rules ruin my wedding savings? | Martin, you helped my finances, and me find love! (yes, really) | Can I fix on a prepay meter? Martin answers these questions from listeners & more in this week's must-listen Martin's Question Time podcast. Do give it a listen, via BBC Sounds | Apple | Spotify and other places good & mediocre podcasts are available.

 

 

DID YOU MISS? - Big ISA changes - 22% tax on savings interest in shares ISA - Lock in 4.9% with the top 1yr savings fix... WITH access - £130 of No7 beauty & skincare £40 - £10 for one-litre Pimm's (normally c.£24) - Airport Parking: Compare the comparisons to find the cheapest

 

 

New. 'Can you pass Martin's Good Debt, Bad Debt test? And, maybe more importantly, can your children?' Financially educate yourself and your kids after the first-ever National Money Assembly For over 30 years now, we've educated our youth into what we call a debt (student loans), but never educated them properly about debt. It's a disgrace I've long and loudly campaigned about - though it looks like things may change (see will financial education finally become compulsory?). For now, we've compiled financial ed resources from age 3+ you can use with your kids in the summer holiday - many grown-ups find them useful too - plus there's our adult-age MSE & Open University Academoney course. New. The Good Debt, Bad Debt test (part of the National Money Assembly). Suitable for age 14+. A few weeks ago, I was delighted to be invited to give charity Young Enterprise's first-ever National Money Assembly live from a 6th form, including taking questions. It was streamed to 300+ schools, and you can now watch the full assembly (40min) or the bite-sized bits below. PS: Teachers, feel free to show any of these in schools & colleges, with no copyright issues. - Take the Good Debt, Bad Debt test. (10mins). A good way to open a chat about money with teens. - Martin, does money make people happy? (2mins). - Buying a home starts with £1. (2mins). - Martin, what's the best age to start investing for my pension? (4mins). - How do I know if an advert on my socials is real or fake? (2mins). - I'm going abroad this summer and can't afford travel insurance - should I risk it? (2mins). FREE financial education teens' textbook. Suitable for age 14+. You can download the Your Money Matters textbook for free. It's the real deal: 150 pages, curriculum mapped - so there are separate England, Scotland, Wales (incl Welsh language) & Northern Ireland versions - with teacher training materials too. Topics include savings, borrowing, making the most of money, work, risk, reward, security and fraud. Many adults tell me they learnt lots from reading it too. Teach littler ones about money. Suitable from age 3+. We've compiled loads of free resources for children, here's just a few... Money Heroes (ages 3 to 11) from Young Money includes videos, downloadable activity sheets and online stories for children, and resources for children with special educational needs. The Cub Scouts and Beavers have a Money Skills Activity Badge, and the Guides have Live Smart skills badges and activities for older girls. MSE & The Open University's free Academoney. Suitable for adults of all ages.We've joined forces with the OU to produce six 2hr Academoney adult education modules (plus a Welsh language version too), covering spending, budgeting & tax, borrowing, mortgages, saving & investing, and pensions. It's been one of the most popular free OU courses since launch, with over 75,000 people enrolling. As Forumite retired19 told us a while back: "At 65 I thought I wouldn't need any further financial education, but it was lockdown and a free OU course was offered. So I did it, and was surprised how useful it was. Stuff I'd forgotten about, nudges to sort stuff out, etc. & confidence building. Thanks Martin for the Academoney, I even got a badge to download."

 

First Direct to axe 'First Directory' insurance add-on. 10,000s are still paying for this old account and will need to find an alternative. See First Directory closure. Related: 1yr free travel and mobile insurance with a top account. Staycation savers: '£9.50' Sun hols | '85p' kids' Butlins day tix | Alton Towers etc 'free' 2nd visit. 'I won more than £3,000 on Pick My Postcode after seeing it in your newsletter.' Success of the week. It may sound too good to be true, but Pick My Postcode is a legit competition with a £200+ daily prize, and it costs nothing as it's funded by ads. Over £1 million has been given out to MSE users, including Christine, who told us: "I still can't quite believe it! I'd been checking Pick My Postcode daily since first hearing about it in the MSE newsletter, and to finally see my postcode come up just after my birthday was a great surprise. It goes to show that someone really does win these prizes, and I'm thrilled to have won more than £3,000." If we've helped you save or reclaim (on anything), please tell us about it. Achoo! 30 hay fever tablets 89p. Sneezy season's still in full swing for many, so we visited 25 stores to find where's cheapest to stock up. See our cheap hay fever remedies guide. E.on and EDF launch limited trials of 'low Standing Charge' tariffs. See Standing Charges update.

 

 

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AT A GLANCE BEST BUYS 0% balance transfers New. Top definite 0% card with £25 cashback: HSBC (check eligibility; existing customers use this link), 36mths 0%, 3.19% fee, 24.9% rep APR No-fee 0%: Virgin (check eligibility) 13mths 0%, 24.9% rep APR Best bank accounts Ends 2pm Thu. Free £180 + £45 Amazon voucher: Santander Free £220: HSBC Top energy deals Use our whole-of-market Cheap Energy Club Insurance Car: Use our Compare+ Car Insurance tool Home: Use our Compare+ Home Insurance tool New. Travel: Use our Compare+ Travel Insurance tool Cheap loans £5,000 to £7,499: M&S Bank (check eligibility), 6.9% rep APR £7,500 to £15,000: M&S Bank (check eligibility), 5.9% rep APR Top savings accounts Top easy-access savings: Revolut 5% (min £1) + possible £25 Top easy-access ISA: Trading 212 4.51%, min £1 Top one-year fix: Marcus 4.9%, min £1 Broadband top picks Fast fibre (100Mb+): Vodafone '£18.88/mth' Superfast fibre (500Mb+): Vodafone '£21.17/mth' On Universal Credit or similar? Check all discounted social tariffs Cheap Sims Up to 3GB data: Lebara, '£2.37/mth' for 3GB 4GB to 9GB data: Lebara, '£2.39/mth' for 5GB 10GB to 30GB data: Lebara, '£2.43/mth' for 10GB 31GB+ data: iD Mobile, '£3.05/mth' for 50GB

 

 

MSE NEWS - Top story: Halifax bank brand to be replaced by Lloyds - what it means for you - Forcing banks to refund scam victims 'cut fraud by £73 million' - but many still left out of pocket

 

 

MONEY MORAL DILEMMA Should I contact my late husband's ex-girlfriend, who's named as a beneficiary on his pension? My husband - we were married for 26 years and have two children - passed away last year. He was never good with money and had early onset dementia, and when he died he didn't leave much money to help cover the mortgage and other bills. He had a small pension, which I claimed. But I've since found out there was another beneficiary - an old girlfriend he lived with over 30 years ago. The money went directly to her, and I've been told I've no claim to it. Should I try to track her down and ask her to do what I think is the right thing and give it to us, or just leave things be? Enter the Money Moral Maze: Should I ask my late husband's ex to 'do the right thing'? | Suggest a Money Moral Dilemma (MMD) | View past MMDs

 

QUICK DEALS - Morrisons Café: FREE Kellogg's cereal & fruit - Ends Sun. Ikea: 'Up to 50% off' sale + £10 off a future £60+ shop - Pizza Express: £5 pizza, pasta, salad & more, weekday afternoons - Kew Gardens: £8.75 tickets any day after 4pm (full day normally £22+) - Morrisons: 25% off school uniform till Sun

 

 

MSE TEAM BLOG - MSE Forum highlights: solar power, solo holidays & supermarket tips

 

 

MARTIN'S APPEARANCES (WED 8 JULY ONWARDS) Thu 9 Jul - Ask Martin Lewis, BBC Radio 5 Live, midday Tue 14 Jul - This Morning, ITV1, 10.20am

 

 

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