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Money

Fuel poverty gap leaves English with less help

The view from the North Sea: energy bills are not such dirty words in Scotland

People struggling with energy bills in England are handed only around a tenth as much government help as Scottish and Welsh neighbours

Money
George Osborne simplified and extended the tax-free savings system in his Budget

It will be Nisa to get a tax-free savings habit soon

Chancellor George Osborne simplified and extended the tax-free savings system in his Budget on Wednesday
Money
Ebbsfleet's 15,000 new homes will give it the same status as Welwyn Garden City in Hertfordshire

Garden city in Kent not enough to solve housing crisis in UK

The news that Ebbsfleet in Kent will have 15,000 new houses when it becomes a new garden city has been welcomed by a housing charity
Money
Plymouth residents are being encouraged to buy shares in community energy projects

Plymouth solar share scheme is backed by council

Plymouth Energy Community has been handed a £500,000 loan by the Council to help it begin a solar share scheme.
Money
Millions are unable to stay warm and still be able to afford to eat

Carbon tax 'should help vulnerable people'

George Osborne has been urged to offer help to those in fuel poverty when he announces his latest Budget
Money
The continuing crisis in Ukraine had a marked effect on markets this week

Ukraine crisis is Russian roulette for investors

Is it a cheap buying opportunity or should the whole region be avoided? Simon Read asks the experts
Money
MPs say an incoherent stance on green energy has left investors over-exposed to fossil-fuel firms

MPs warn that carbon bubble may hit savers

A £600bn carbon bubble has grown as a result of the government's inconsistent approach to supporting green energy, according to MPs.
Money
Three of the Big Six energy companies failed to meet long-standing commitments to help vulnerable households struggling with their bills

MP accuses watchdog of failing the vulnerable

The Energy watchdog has been slammed for dragging its feet over an investigation into why three of the Big Six energy companies failed to meet long-standing commitments to help vulnerable households struggling with their bills.
Money
Shout it from the rooftops: The mortgage market has become far more competitive

Pending price war erupts – this time for real

Banks and building societies are now wooing borrowers, so this is the time to get a loan or mortgage
Money
Dead money? Some believe that the policies should be left on the shelf

Stuck in a with-profits policy? How to bail out

But think before you do because it could still be worth keeping, reports Chiara Cavaglieri
Property
Jumbo prices on Jumby Bay: It will be expensive to buy on the tiny island, although rental rates when you’re not using the property are also very high

The Caribbean is a hot spot for British house buyers

The islands are enjoying an investment renaissance, as Monica Woodley and Julian Knight report
Money
British Gas said it always provides a full and immediate refund to customers for any sum owing to them 'whenever we can contact them'

Energy firms told to return £400m to customers

Watchdog says the Big Six owe money to people who have switched supplier or moved house, reports Simon Read
Money
Manning the lifeboat: beware of the cost if lenders come to your financial rescue after the floods

Mortgage 'holidays' after floods may be costly

If you've suffered because of the widespread floods and your bank or building society has offered financial help, check the small print before agreeing.
Money
Caroline Lucas says thousands of women will be doubly disadvantaged by the new Bill

MP fights for women in pension misjustice

Green MP Caroline Lucas has called on the Government to change rules that will leave up to 700,000 women worse off when they claim pensions.
Property
Safe as houses? Sir Peter Bottomley says there is a growing political will to protect leaseholders

Our campaign for the rights of leaseholders may lead to a new legislation

Readers, property professionals and MPs back Independent on Sunday drive to legislate against dodgy practices that ensnare homeowners
Money
Compared with even the best ISA rates, regular savings accounts paying 6 per cent sound too good to be true and of course, in many ways they are

Is it time to turn your back on Isas?

The tax-free choice for savers is losing its appeal with poor interest rates, but other accounts have drawbacks too, says Chiara Cavaglieri
Money
Shuffling the cards: grocers and banks are trading places

Bringing banking to the supermarket shelves

If rumours that Barclays is planning to open branches in Asda stores prove true its rivals may follow
Your Money
Money
Yes, there's now freedom to choose...but it's also a responsibility

Should I delay retiring because of the Budget?

advice
Money
Slippery slope: at best the insurance included in packaged accounts is budget cover

Simon Read: Packaged account extras won't get you out of a jam

advice
Money
George Osborne described the changes as 'the most far-reaching reform to the taxation of pensions since the regime was introduced in 1921'

How to make the most of the pension revolution

advice
Money
Despite adverse reports almost every day about the banking industry, many are still happy with the service they receive

You asked for it - here's your praise of banks!

news
Money
Lloyds Banking Group's boss, António Horta-Osório, set out his plans for the future of the troubled company

Simon Read: Are banks ready to earn trust?

comment
Money
Have a three-course meal for £35 at Oxo Tower

Bargain Hunter: Discount deals on haute cuisine

deals
Money
Wish upon a home: Your property dream is more likely to come true now but you may need to be patient as lenders are taking extra care with mortgage decisions

Savvy Money: If you're after a home loan, you can't hurry banks

comment
Money
Marie Walker, 33, and her partner, Brian Serajuddy, 39, with their eight-month-old son Harry

Wealth Check: How can we build up our savings now we're in our dream home?

advice
Money
Get me to the court on time: A binding law on pre-nups would help ensure that financial stress is not added to the problems of a romance gone wrong

Julian Knight: Why I'm wedded to this shake-up for the pre-nup

comment
Money
New research says women may be more likely to become homeless as a result of welfare changes, with a third of those looked after by St Mungo's having turned to prostitution

Government urged to help homeless women

news
Money
Ross McEwan should be applauded for his reforms but RBS has a long way to go to restore its tattered reputation

Simon Read: I'd just don't trust RBS to play fair'

comment
Money
Shoppers can pick up a bargain but that may not be the case in the float

Investment Insider: Poundland may not be cheap when it floats

comment
Money
Charity shops are adamant the price they charge for clothes remains reasonable

'Those who need charity shops most are being priced out'

news
Money
Foot in the door: 'gullible oldies' are being targeted for cons. In one case an estate agent sought to cheat a victim out of hundreds of thousands of pounds on a property sale after being invited into his home

Simon Read: We have to stop rogues from exploiting vulnerable older people

comment
Money
It’s better to change direction than walk into trouble: Mark Carney was correct to maintain flexibility on interest rates

Julian Knight: Carney's correct in climbing down over raising rates

comment
Money
Henrique is in the fortunate position of having no debts

Wealth Check: House hunter must save for a deposit and build up a pension

advice
Money
Cut off: Flooded homes in the village of Wraysbury

The financial impact of the floods on your home

advice
Money
Pylon the agony: the big suppliers to Britain's power grid have provoked millions of complaints

Simon Read: Broken? The UK's energy market is in little pieces

comment
Money
Long way home: mortgage applicants may face delays as banks try to readjust to the recovery in demand in the wake of the financial crisis

Julian Knight: Can lenders cope with this new mortgage rush?

comment
Money
Schools are being encouraged to take in two-year-olds to ease places

Here's a lesson in how to get free childcare

consumer rights
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Garden city in Ebbsfleet, Kent not enough to solve housing crisis in UK

The announcement that Ebbsfleet in Kent will have 15,000 new houses when it becomes a new garden city has been welcomed by a housing charity.
Savvy Money: If you're after a home loan, you can't hurry banks
Lending price war erupts – this time for real
Mortgage 'holidays' after floods may be costly
Simon Read: The homebuying dreams of many are broken
Julian Knight: Can lenders cope with this new mortgage rush?
Should you be rushing to get a fixed rate mortgage?
Property ladder will be a steeper climb for next generation, report claims
Leaseholders have the right to manage their homes
Check those hidden costs of mortgage incentives
Pensions RSS Feed - click to grab the feed

Insurers warn over Government cap on pension plan charges

But 0.75 per cent limit is welcomed by consumer groups and advisers

New pension freedom may lead to care fees problem
Budget 2014: How to make the most of the pension revolution
Simon Read: Lamborghinis? Pensions minister Steve Webb's gaffe shouldn't detract from transference of power
Simon Read: A Reliant Robin is the best most of us can hope for when we retire
Experts warn of hidden downsides to George Osborne's pension reforms
Budget 2014: Pensions shake-up sees shares dive for life insurers
It’s time to give the vulnerable some real help
Green MP Caroline Lucas fights for women in pension misjustice
Government blasted for new rules that will leave up to 700,000 women pensioners worse off
Spend & Save RSS Feed - click to grab the feed

Should I delay retiring because of the Budget?

Pension freedom launches in 2015. But what should you do if you retire before then? Simon Read finds out
Simon Read: Packaged accounts are back, but the extras still won't get you out of a jam
Questions of Cash: Paying a high price for purchasing a 'select approved' car warranty
Fuel poverty gap leaves English with less help
The Money Advice Service will face probe
Money alert: Santander £12.4m fine
Mark Dampier: Franklin quartet play to their strengths to re-tune fund focus
Derek Pain: Pride of its alley lines up the skittles and sends them flying
Bargain Hunter: Need a bowl for your yoghurt? Rachel's could have the answer
Money Insider: Lloyds Bank joins scramble for new current accounts
Loans & Credit RSS Feed - click to grab the feed

Simon Read: Why Richard Durkin's credit rating might affect you

There was a small but significant court victory for consumers this week. Richard Durkin won a 16-year legal battle over a laptop he bought from PC World.
Watchdog accused of wimping out on new loan rules
Fuel poverty? It remains a scandal
Watchdog ‘not tough enough on loan firms’
Fury as FCA is accused of wimping out of tough new regulations on payday loans
Five questions on: Payday lenders crackdown
Five questions about: Credit unions
Will a council take our home to pay for care?
Haringey Council unveils credit scheme against predatory payday lenders
Lending price war erupts – this time for real
Insurance RSS Feed - click to grab the feed

Five questions on: Equitable life payout

Ah, has the troubled mutual insurer finally agreed compensation for its fed-up policyholders?
Five questions on: Misleading insurers
Simon Read: Add-on insurance selling is unnecessary and should stop
Point of sale is not the time to flog insurance
Simon Read: Insurance policies do not belong at the shop checkout
Five questions on: Insurance renewals
UK weather: Insurance bosses summoned to Downing Street to discuss flood response
300,000 car accidents deliberately staged
Money alert: Homeserve fined £31m
The financial impact of the floods on your home
Tax RSS Feed - click to grab the feed

It will be Nisa to get a tax-free savings habit soon, but now...

To cheers from savers, Chancellor George Osborne simplified and extended the tax-free savings system in his Budget on Wednesday.
Budget 2014: Tax avoidance - pay the outstanding now, appeal later
'One million more people pay higher tax' under Coalition
Why are there are still more than 1,000 tax reliefs in use despite Coalition pledge to simplify the system?
Consumer rights: Where to go for a helping hand with your cash
Consumer Rights: Time's running out to keep the taxman off your back
'My goldfish died': 10 oddest excuses for late tax returns
Money alert: Fines if you miss the January tax deadline
Tax boost for social investment will unlock £500m
Coalition strikes deal on 'green taxes'
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