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.
Published: 1 October 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.
Interest paid in total
Total paid back
How long it takes to repay the £5,000 loan
Minimum payment – First month £132.92, reducing every month after
18 years 10 months
£150 every month, fixed
4 years 1 month
£175 every month, fixed
3 years 4 months
£200 every month, fixed
2 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
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
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.
To get BT Basic, applicants must be getting one of these means-tested benefits:
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.
Our Help to Claim service can support you in the early stages of your Universal Credit claim, from an application, through to your first payment.
Help to Claim is a dedicated service from Citizens Advice. It’s free, independent and confidential. Our trained advisers can help with things like how to gather evidence for your application or how to prepare for your work coach appointment.
Call us for free: 0800 144 8 444
You can get help at the following locations:
West Bromwich Jobcentre Mon, Tues, Thurs and Fri 9am – 1pm and Wed 10am – 1pm
Oldbury Jobcentre Mon, Tues and Thurs 9am – 1pm and Weds 10am – 1pm
Smethwick Jobcentre Mon, Tues and Thurs 9am – 1pm and Weds 10am – 1pm
Tipton Jobcentre Mon, Thurs and Fri 9am – 1pm and Weds 10am – 1pm
We may also be able to see claimants at the Citizens Advice office in West Bromwich during the opening times. Help and support is based on when advisers are available. Just drop-in and speak to reception.
If you’re a local organisation working with people who need to help to apply for Universal Credit you can get in touch with the Help to Claim Supervisor – Rachael Walker (firstname.lastname@example.org) to find out how you can signpost or refer people to our service. You can also use this email address to book appointments at our Cradley Heath Citizens Advice office.
Private renters in England who formally complain about issues such as damp and mould in their home have an almost one-in-two (46%) chance of being issued an eviction notice within 6 months, according to a new report – Touch and go – released today by Citizens Advice.
The charity estimates this has affected about 141,000 tenants since laws attempting to ban revenge evictions were introduced in 2015.
It comes as the government’s consultation on introducing minimum three-year tenancies in the private rented sector closes this Sunday.
The research found complaining dramatically increases a renter’s chance of getting an eviction notice when compared to people who do not complain.
Tenants who had received a section 21 “no-fault eviction” notice were:
Twice as likely to have complained to their landlord
Five times more likely to have gone to their local authority
Eight times more likely to have complained to a redress scheme
The charity argues the figures prove 2015 laws designed to prevent families and other tenants in the private rented sector from being evicted after raising a complaint have not worked.
The research includes a unique survey of council Environmental Health Officers (EHO) that found 3 in every 4 EHOs saw tenants receive a no-fault eviction after complaining last year. Of the officers who had been in their role before the 2015 Act was passed, 90% said they have not seen a drop in revenge evictions.
With the private rented sector being the second most common tenure in England with 4.7 million households – including 1.7 million families with dependent children – Citizens Advice is calling for laws around tenant security to be significantly strengthened.
Advisers from the charity helped one mum who moved into a house with her husband and two children and went to her council because a leak in the home was causing her partner’s health to deteriorate. One day before an Environmental Health inspection was due to take place, she was issued a section 21 eviction notice.
The charity backs the government’s proposals for minimum 3-year tenancies, but is concerned that potential loopholes may undermine protections that longer tenancies provide.
Citizens Advice is calling for 3-year tenancies to be written into law, and for these tenancies to include limits on rent rises to prevent landlords from effectively evicting tenants through pricing them out, no break clause at six months, and allowing tenants to leave contracts early if the landlord doesn’t uphold legal responsibilities.
The charity also believes if 3-year tenancies are agreed, the government should then review grounds for section 8 evictions – normally used when tenants are antisocial or fail to pay rent – to allow landlords to recover the property if they choose to sell up.
Gillian Guy, Chief Executive of Citizens Advice, said:
“The chance of a family being evicted from their home for complaining about a problem shouldn’t carry the same odds as the toss of a coin.
“Those living in substandard properties must have greater protection against eviction when they complain.
“Our report shows that well-intentioned laws created to put an end to revenge evictions have not worked, and a new fix is needed.
“There are serious question marks over the existence of a power that allows landlords to unilaterally evict tenants without reason – known as section 21.
“While Government plans for minimum 3-year tenancies is a step in the right direction, these changes must be strong enough to genuinely prevent revenge evictions once and for all.”
The government has now triggered Article 50. This means that the process of leaving the EU has started.
Some laws will change in the future – but not immediately.
Everything will stay the same until new laws are made.
If you’re an EU citizen living in the UK, your rights to live, work or get benefits won’t change unless the government passes new laws.
If you’re a UK citizen living in the EU or travelling to the EU, your rights won’t change yet either.
You don’t need to take any action now. Changes to the law will be announced before they happen, so you’ll have time to prepare if you’re affected.
If you think you’ve been discriminated against since the referendum, for example if you’ve been unfairly refused work or housing, or told your rights have changed, you can contact us on 03444111444 or call into one of our offices. – See opening times
Citizens Advice is expecting more than 370,000 people to seek help on financial issues such as pensions, investments and debts in January after analysis by the charity reveals that people are more likely to research financial decisions now than at any other time of the year.
The analysis of demand for advice over the last year shows that January and February were the busiest months of the year for queries about finances, with someone viewing online advice pages every 3 seconds in January.
While January is often associated with squeezed budgets and debt worries, the research reveals that people also used the New Year to take stock of their money situation and plan their finances long-term.
The charity is expecting demand to reach its peak on 12 January – after people visited twice as many online advice pages about issues around money, insurance and pensions on the same day in 2016.
Issues people are more likely to investigate in January than the rest of the year ahead include:
Workplace, personal and state pensions
Ways to save money
Joint bank accounts
As well as going online, people contacted Citizens Advice every 11 seconds with more in-depth questions around debt and money.
Citizens Advice services across the country are expecting to help as many as 2,400 people every working day in January with queries about their finances.
People are most likely to seek advice on personal pensions, bank accounts and credit referencing, while those with debts need help with council tax arrears, credit card debts and debt relief orders.
Gillian Guy, Chief Executive of Citizens Advice said:
“Although debt worries can be more acute in January people are also taking stock of their finances and thinking about the future.
“It doesn’t matter what your earn – whether you are on minimum wage or have a comfortable salary – everyone can benefit from reviewing their finances.
“Considering your overall financial situation can help you find a solution for urgent problems, and start planning your finances so that you are better prepared for tomorrow and more financially secure in the long term.
“If you’d like to understand more about how your circumstances affect your money options or are struggling with debt, Citizens Advice can give you the information and advice you need to find a way forward.”
With thousands of people seeking money advice every day, Citizens Advice is sharing eight simple steps you can take to review your finances and start planning for the future.
Get your finances in order
Do a simple budget
Write down your income and take away your essential bills such as gas and electric, food and transport. If you have money left over, plan in advance what else you’ll spend or save. If you don’t, look at ways to cut your costs. Use our online tool to set a more detailed budget.
Save money on essentials
You could save an average of £300 on your energy bill by changing tariffs or suppliers. Use Citizens Advice’s energy comparison tool to see if you can save.
Diarise the dates of annual contracts that are up for renewal, like your mobile phone or car insurance, and use a comparison site to see if you can get a cheaper deal.
Check you’re claiming the right benefits
If you have a family or are married, check if you can apply for working tax credits or marriage tax allowance on gov.co.uk
If you live alone, you may be entitled to a discount on your council tax bill.
If you claim benefits, visit the Citizens Advice website to check if you are eligible for discounts on your water or energy bills.
Start saving if you can – it doesn’t matter if it’s 50p or £5 a week, every penny will help improve your finances.
Saving is an important part of everyday finances, giving you a buffer for emergencies, helping you buy bigger items and giving you more financial security for the future.
Keep tabs on your overdraft
Sign up to free text alerts from your bank so you know when you’re close to going into your overdraft. Then make adjustments to your spending if you can.
Be choosey about your borrowing
If you need to borrow money, it’s important to know that there are different offers with credit cards and loans, from free balance transfers to paying no interest for the first few months.
Get your debts in order
If you can’t pay all your debts at once, it’s important to prioritise. Rent or mortgage and council tax are more important than credit card debts for example, as the consequences can be more serious if you don’t pay. Find out how to prioritise on the Citizens Advice website or contact your nearest service for help.
Invest in your future
Pensions are a great way to save for the future and are also good value, as your contributions are topped up your employer and the government.
If you’re eligible for auto-enrolment, consider paying more than just the minimum.
Those who are self employed can still set up their own pension but make sure it’s with a regulated company.
If you’re over 50 and have a defined contribution pension you can get free a Pension Wise appointment to learn more about taking your pension.