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28th September 2017 by Norman Davies in Campaigns
Credit Card Bonanza Creates Crippling Debt
Attitudes to debt have certainly changed in the last fifty years or so. For most of the twentieth century, getting into debt was still widely regarded as being slightly shameful and getting a loan from a bank was like getting blood from a stone. While bank managers can no longer behave like Mr Mainwaring from […]
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21st September 2017 by Norman Davies in Campaigns
UK Broadband – Digital Disgrace
When the government announced its £400m Digital Infrastructure Investment Fund to boost investment in improving broadband services and followed it up with an announcement that it had “clawed back” £645m from BT under its state-subsidised superfast broadband contracts tendered in 2012, it must have thought, ‘At last, a good news story’. However, in the words […]
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22nd August 2017 by Norman Davies in Campaigns
Broadband – Snog, Marry, Avoid?
How important is a reliable Internet service to you? Only proposing marriage to someone when you had seen how they reacted to a slow or unreliable Internet connection might be taking things a bit far. Nevertheless a poor service can cost you time and money and the chances of receiving compensation are not good. Research […]
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17th August 2017 by Norman Davies in Campaigns
‘I owe, I owe so off to work I go’ (with apologies to Snow White and the Seven Dwarfs)
The definition of a trillion varies across different countries. Whichever one you adopt, it is still a huge number way beyond what most of us can imagine. So, the fact that at the end of June 2017 people in the UK owed £1.545 trillion (source: http://themoneycharity.org.uk/money-statistics/) means we collectively owe an awful lot of money – […]
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10th August 2017 by Norman Davies in Campaigns
Gambling is so Easy
Do you gamble? According to the results of research published in March of this year by the Gambling Commission, during 2016 almost half of us (48%) did in the previous four weeks. This figure includes around 15% who only gambled on the National Lottery. You may not be surprised that 17% of gamblers choose the […]
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3rd August 2017 by Norman Davies in Campaigns
Penalising Loyalty
People who believe that ‘All good things must come to an end’ might be accused of being pessimists (and it is a good idea to borrow money from pessimists because in theory, they shouldn’t expect to be paid back). This doesn’t apply to mortgage providers. Fixed term mortgage deals can be a good thing because they […]
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27th July 2017 by Norman Davies in Campaigns
Can Too Many Cooks Spoil the Paintwork?
What do a male cook and a female painter have in common? One answer might be that their roles are given as an example of equal value (in terms of effort, skill or decision making) under the Equal Pay Statutory Code of Practice. So, if you are a female painter who gets paid less than […]
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24th July 2017 by Norman Davies in Campaigns
Where would you rather be – in a pub or a post office?
Have you ever stood in a queue at your local post office and thought you would rather be in a pub? According to new research carried out by Citizens’ Advice people value having a post office in their local community more than they do having a pub. In a study looking at how people use […]
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17th July 2017 by Norman Davies in Campaigns
Universal Teething Problems
However you may feel about the news and the way it is reported there is no doubt that there is a lot of it. This might explain why Universal Credit, possibly the biggest change in the welfare system since it first started has slipped from the headlines. However in spite of delays in its introduction the roll out continues. Universal Credit is intended to […]
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6th July 2017 by Norman Davies in Campaigns
How to avoid losing Phantom cash
July 2017 is the latest Scams Awareness month which is being led by Citizens Advice and Trading Standards. To mark the occasion, Citizens Advice compared 3,600 cases involving scams logged between January and April 2017 with the same period last year. The research discovered that more and more people are being tricked into paying on […]
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