| | MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter Credit score boosting secrets
Crucial for mortgage, credit card, cheap energy bills, mobile & more Credit scoring has become a key part of our financial lives. It impacts if you can get mortgages, bank accounts, contract mobiles, monthly car insurance, credit cards, loans, and even if you can pay energy bills the cheapest way.
Even if you're accepted, we live in a 'rate for risk' world, so it then dictates what you pay too. Many people get unstuck by this. They apply for today's record cheap rates, but find they're charged more. Here's what you need to know... | • | You DON'T have a universal credit rating - there's no blacklist. This is a myth. In the UK, there's no universal credit rating or score, there's no blacklist of banned people. Each lender scores you differently & secretly.
Their aim is to see if you match their profitable customer wishlist. A key part is assessing the risk of non-repayment. If that's high, many won't lend; but some specialist lenders will like you more as they can charge you high.
Yet even good risks can be rejected, because the lender thinks you won't make it money. Or perhaps you're applying for a credit card, but it wants to cross-sell mortgages, so scores you on how likely you are to get one. To fully understand it, see How Credit Scoring Really Works. | | | | • | What they know about you. Lenders assess you with 3 key pieces of info:
1) Your application form. Many underrate how crucial this is. It tells them your salary & more. Be consistent on each form, eg, job title, as inconsistencies can trigger rejection via fraud scoring (of course, never lie, that's fraud).
2) Any past dealings with you. A lender you've banked with can interrogate your behaviour far more than others; sometimes good, sometimes not.
3) Your credit reference files. These come from either Equifax, Experian or Callcredit and contain info on the electoral roll, court judgments, what credit applications you've made, products you have and if you've paid on time. Check regularly for errors (see Get Paid To Check Your File below).
So find out in full what your credit reference agency knows about you. Many assume things are on there that aren't, such as a criminal record or speeding points, so we also list what credit reference agencies don't know. | | | | • |  How to make yourself more attractive. Getting accepted for credit is like going on the pull - like people, different lenders find different things attractive. There's no universal fix, but some small cosmetic changes generally work for most. These include:
a) Get on the electoral roll. If not, getting credit's tough. Check if you're on it and apply via About My Vote. If you're not eligible, send proof of residency.
b) Stability's good. If possible, put a landline, not mobile, on applications.
c) Time it right. Problems stay on your file for 6 yrs, applications for 1 yr. So if you can wait until they've lapsed to apply, it should boost your score.
d) Never miss or be late on repayments. Use a direct debit to be sure, even if just for the minimum (then you can repay more on top).
e) Don't withdraw cash on credit cards. This is both expensive & evidence of poor money management - avoid. (Withdrawing cash abroad on a credit card - read this.)
f) Don't let 'paid-for credit scores' overly worry you. Credit agencies flog 'em, but they're blunt tools. See Is Buying My Credit Score Worth It? help.
g) Payday loans can kill mortgage applications. Some mortgage underwriters simply won't lend to anyone with payday loans. See our Free First-Time Buyers' Mortgage Guide for full help on mortgage acceptance.
h) Deal with unfair defaults. Ask the firm that put them there to remove. If not, put a notice on your file & go to the Ombudsman. See Defaults Help.
i) Check for address errors. An old, active, but unused mobile phone registered to your old address could even cause a mortgage rejection.
For full info on these and more, see 12 Tips To Boost Your Credit Score. | | | | • | Ensure you minimise applications - use the MSE Eligibility Checker. The only way to know if you'll get a product is to apply. Yet that leaves a footprint on your credit file, and too many of those, especially in a short space of time, can hurt future applications. This is a catch-22, as if you get rejected or the rate you're offered is crap, you'll want to keep applying.
I've given evidence to parliamentary select committees on this unfairness, but little's been done. So to fight back, we've built free eligibility checkers.
These use a soft search (so you see it on your file, but lenders don't so there's no impact) to show your odds of acceptance for the top cards, so you can hone and minimise your applications.
For all these cards, obey the golden rules.
1) Never miss a minimum repayment, or you could lose a deal. 2) Only use the card for the purpose it's designed for (eg, don't spend on balance transfer cards, don't borrow on overseas cards). 3) If it's a 0% card, clear the debt in full before the 0% ends or the rate jumps. 4) If you're borrowing, always plan & budget for it and minimise the amount. | | | | • | Get PAID £19 to check your files. Even small errors on your Experian, Equifax & Callcredit files can kibosh applications, so check all three line by line annually and before key applications, eg, a mortgage. While you'll see you've checked it on your file, lenders won't, so it won't impact your score.
While you've a legal right to check each file for £2, you can sign up for a month's credit monitoring trial, which lets you do it for free (remember to cancel). Better still, sign up via a cashback site and you can earn £10.50 for trialling Experian, £8.92 for Equifax. Full help: Get Paid To Check Credit Files | | | | • | How to (re)build your creditworthiness. Credit scoring aims to predict future behaviour based on your past. Those with a poor history thus do poorly; as do those with little credit history, as then predicting's tough.
Therefore, the perverse solution is to get credit and use it well. The easy route is a specialist credit rebuild card (otherwise you'll be rejected).
These have awful APRs. So just do £50ish/mth of normal spending, then repay IN FULL each month, preferably by direct debit so there's no interest (& never withdraw cash). After 6mths or so, things should start to improve.
If you can't get those, anyone can get the Cashplus Creditbuilder prepaid card. Pay it £5/mth for a year and technically it's a loan repayment. Hopefully after a year it'll help you get a rebuild card, though it'll be at the minimum - you may prefer to just wait until the bad stuff wipes from your file. | | | | • | Beware joint mortgages, loans and bank accounts. It's not whether you kiss, live together, hold hands or are married that links credit files. It's simply whether you have a joint credit agreement (mortgages, loans, bank accounts and sometimes utility bills - joint credit cards don't exist).
If you're financially linked to someone, it means their credit history can be looked at when assessing whether to lend to you. So if theirs is bad, avoid any joint products. Plus, if you're now financially independent from an ex, ask credit agencies to de-link you. Find out how to de-link your finances. | | | |
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| Wed 4 Jun 2014 |
WARNING: Don't ignore your CPP reminder - it's worth £100s
£1.3bn's being doled out. No one we know of has been rejected, yet only 25% have bothered. FILL THE LETTER IN Up to 7m people were mis-sold CPP card and identity protection policies since 2005 either directly or via their banks. The regulator, the FCA, has ordered a formal payback system. You've until the end of August to reclaim, yet only 1.7m people (so c.25%) have so far. Now some will be getting reminders. Full info in CPP Reclaiming, here's our clarion call...  This is serious money. We're swamped with successes, such as forumites Kaye James: "Amazing - followed MSE advice to complete forms. Result. We got £1,205 back" and Ellesby: "Received cheques today totalling £915 for my husband and me. Chuffed." In fact, we've not heard of any rejections, though some are due just £30 or so.- If you got or get a letter, JUST FILL IT IN. No ifs, buts or shilly-shallying. If you get a letter, it means you had a policy and were mis-sold it, so fill it in. The bit everyone's finding difficult is section B, so to help, cut and paste our CPP Form-Filling Templates. The sooner you do it, the sooner you'll get your cash as it's a queuing system.
- Lost your letter, or binned it? Many tell us they binned the letters thinking they were junk mail. Not everyone will get a reminder, so don't rely on that. If you binned yours, or you didn't get a letter (it may've had an old address) but think you've had CPP since 2005, don't worry - see 'No CPP Letter?' Help.
- What about reclaiming from before 2005? The official redress scheme is only for post-2005 CPP. If you had it before, you can still try to reclaim. It's less certain but we've heard of some wins. Full help in Claiming Pre-2005.
- CPP isn't the same as PPI. CPP schemes promised to insure you against card or ID fraud, while PPI covers loan, credit card or mortgage repayments if you can't repay due to accident, sickness or unemployment. You may have been mis-sold both, and could reclaim both (at least £15bn of PPI was mis-sold). So also see Reclaim PPI For Free.
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| Open Farm Sun: Free (or sub-£5) ferret racing & tractor rides. 350+ farms open, kids love it. Open Farm Sun 50% off Sky TV newbies code AND now 'free' broadband for a year. MSE Blagged. We've been given 10,000 more Sky 50% Codes to USE BY FRI for Sky newbies (anyone who's not had Sky in 12mths). Plus last Fri it announced all newbies will get a year's broadband included. These are likely to be our last codes for a few months. Potential savings are huge, as @jiggyquincy tweeted us after last week's code: "Just saved £384 on new Sky package. Thanks." Tesco Wine £10 off £60 code (works on 50%-off cases). For new & existing custs. Enter code XXNNTN at Tesco Wine* before 10 Jun for £10 off £60. Works on already-reduced cases. Top picks & more info: Wine Deals. Drinkaware Free antivirus protection software - beat the Gameover Zeus virus. The National Crime Agency's put out a major warning about this bug, which has infected at least 15,000 UK computers running Windows. It could be activated to steal your bank details. Do a Gameover Zeus Virus Check and find out how to get Free Antivirus Software. |
Book summer travel insurance from £6 NOW
Packing for Puerto Rico, booking Barbados, going to Greece? Get cover AS SOON AS IT'S BOOKED - don't delay. Leaving travel insurance late is a big gamble. If you're booked but not covered, then if the trip's cancelled, you get ill or have an accident that stops you going, you've likely lost the holiday. Full help in Cheap Travel Insurance - key info... - If this is your ONLY trip away for 12mths... £6 cover. Two cheap no-frills policies which meet our min cover levels are vying here. Protect Your Bubble Economy* tends to win for under-35s, eg, 1wk for a single in Europe's £5.35 (£12 family), worldwide's £14 (£32 family). For 45+ Holidaysafe's* cheaper, if you're in between it can be either. For bespoke cover use MoneySup's* comparison, but check the policies meet our min cover levels.
- Cover a YEAR'S travel from £13 (age-dependent). Go away 2+ times a year and annual policies win. They cover 12 months' worth of holidays, usually so long as no trip lasts over 24 days. Our 'No-frills' deals are regulated policies meeting our min cover levels. For belt and braces surety, our 'Top value picks' factor in feedback and payout record.
| Annual travel insurance (prices vary with age) | | No-frills cheapest Europe | No-frills cheapest worldwide | Top VALUE picks
| | Simply the cheapest FCA-regulated policies meeting
our minimum cover levels | Subjective picks factoring in feedback and past payout record | | Individual | Age 18-35 Holidaysafe Lite* £13
36-45 Coverwise* £14
46-65 Holidaysafe Lite* £15-£19 |
18-65 Holidaysafe Lite* £23-£28
| Direct Travel* Europe £44-£66, world £66-£101. Add £20 for catastrophe cover, eg, volcanoes & earthquakes | | Family |
18-65 Holidaysafe Lite* £27-£38 |
18-65 Holidaysafe Lite* £46-£56 | Direct Travel* Europe £83-£125, world £126-£191. Add £40 for catastrophe cover, eg, volcanoes & earthquakes | | Holidaysafe Lite is an MSE Blagged policy, only avail via these links. | Other key travel MoneySaving info:
Get A Free EHIC Card | ESTA Help | Cheap Flights | Cheap Hotel Tricks | Cheap Package Holidays back to top ↑ |
| New. FREE £125 with the no.1-rated bank account. First Direct's* won every customer service poll we've ever done, 92% rate it great. New switchers normally get a £100 bribe, but via this specific link you get £125. It also has a £250 0% overdraft and linked 6% regular savings account. Full eligibility info and alternatives in Best Bank Accounts. iPad Air 16GB £329 - cheapest we've ever seen. Only 400 available, via daily deals site. See iPad Deals. Earn £5 Swagbucks, get £15 worth of Amzn/M&S gift cards. MSE Blagged. A popular site with MSEers where you fill in surveys & polls to earn. We've a special newbies' link - accrue £5, then get a bonus £10-worth. Swagbucks Boost CODES: Jones Bootmaker 30%, Matalan 20%, Figleaves 25%, etc...
Jones Bootmaker 30% off + free del code (ends Wed) | Tesco Direct £10 off £50 code (newbies) | Matalan 20% off code
Figleaves 25% off code in £2 mag | Burton 25% off code/vch | Hi-Tec 60% off MSE Blagged code | ALL Discount Vouchers |
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FREE Danio 89p yogurt. Claim voucher via Facebook or Twitter and redeem in most supermarkets. Danio Deals Father's Day deals - photo card 50% code, free 'super dad' photo, free £2 chocs
Snapfish 50% off photo card code incl Hallmark cards | Free 'super dad' photo print at Asda | 20% off 50% off shavers
Free £2 Hotel Chocolat chocs (needs O2 app) | £19 for 100-page photo book RRP £79 | ALL Father's Day Deals Forum Hottie. Free Hendrick's G&T | 2 x free Kozel Czech pints. Just print vouchers/use app. Be Drinkaware. |
Cash ISA loophole - split into a fix AND 2.33% easy access
New. Put ISA money away and you've always had to choose between a fix or easy access. Not any more... A cash ISA's just a savings account where you don't pay tax on the interest, meaning as long as the rate's decent, you earn more. Full info in our Top Cash ISAs guide (also see Top Stocks & Shares ISAs), but here's the new bit...  How to split your 2014/15 cash ISA allowance. You can currently put £5,940 in a cash ISA, then from 1 July when the Govt's New ISAs start, top up to £15k. As you can only open one current tax-year cash ISA, you can't just pick & mix, limiting choice.
However with the bigger allowance coming, five providers now offer a workaround, structuring themselves to allow different versions of their ISA to count as one. Thus you can open as many of their cash ISAs as you like, just DON'T GO OVER THE TOTAL CASH ISA LIMIT. There's no special process - just open the ISAs and it's fine. For more, see ISA Splitting. - The top 'splitter' cash ISA (and best buy anyway). By a happy coincidence, Nationwide, which currently has many best buys, is one that allows you to open several of its ISAs & count them as one. Choose from 3 types.
1. Nationwide Regular Saver* 2.33% AER variable - THE BEST BUY. By far the top rate allowing withdrawals whenever you want, the only drawback is you can only put a max £1,250/mth in (no transfers). After a year, it becomes its easy cash ISA rate. It can only be opened online by existing custs, the rest must open in a branch.
2. Nationwide Easy Access* 1.5% AER variable - THE BEST BUY. This is the top open-to-all account that you can just put a lump sum of cash in and withdraw it whenever you want. It also allows transfers of past years' ISAs.
3. Nationwide Fixed ISAs 2.05% - 2.5% guaranteed (transfers allowed). If you're prepared to lock cash away, you get rate certainty. The rates are a little below the top fixed cash ISAs, yet if you want to split an ISA, they're not bad. - Can I split past years' cash ISAs? Yes - you've always been able to do this. Here, you don't need to split with one provider, you can split across different providers. For help, see Top Cash ISA Transfers.
- Don't some bank accounts pay switchers 5%? Do they beat ISAs? They can, short-term. Get the best of both worlds and wait until the end of the tax year to pay into your ISA. See 5% Bank Account Savings.
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| Got an unused London Oyster card? Get your share of £124m credit back. Check our Oyster news for how. New 31mths 0% money transfer deal - pays cash into your bank account. Accepted new MBNA* (check eligibility) cardholders can get the longest-ever money transfer deal - 31mths 0% for a 4% fee. It pays cash into your bank account, so you can use it to repay overdrafts or loans, then owe the card at 0% instead. Clear it before the 0% ends or it jumps to 22.9% representative APR. New to this? It can be tricky, read full Money Transfers guide. (APR Examples). £10 manicure freebie in £4 mags. £10 Ciaté manicure set in Marie Claire & more. See Beauty Deals.
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Cheap airport parking tricks, eg, "got it for £40, not £115"
If you're driving to the airport, sort parking now. Use the right booking tricks early to make the price plummet Public transport usually wins, but for large families/groups, driving can beat it if you BOOK EARLY. Forumite bigdaddy1210 says: "Got a brilliant deal using your links for a 4-day break - it's costing just over £40 instead of £115. We booked for Aug bank holiday in March, but it shows there are bargains booking ahead." Full info in Cheap Airport Parking, but for speed...  Trick 1: Use special 'discounted' comparison site links. A number of sites compare airport and nearby parking centre prices. Yet if you go via the links below, not direct, we've bagged extra discounts. Try as many of Holiday Extras 10-30% off*, SkyParkSecure 13-25% off*, FHR 12-18% off* and Airparks 12% off* as you can. - Trick 2: Want to park in Gatwick or Heathrow's OWN car parks? They're rarely discounted, so direct can win. From THURS, we’ve blagged 15% off via this Gatwick Airport Parking* special link (until 30 June) & the Heathrow Parking* site claims you won't get its parking for less.
- Trick 3: Book an airport hotel room for its parking. Some offer an overnight stay with parking tagged on. One night at Birmingham with a week's parking is £56, compared to £46 for parking alone. See Stay & Park Deals.
- Trick 4: Try renting a personal space near the airport. A few eBay-style marketplaces allow people who live close to airports to rent their driveway or personal parking spaces. Check Park At My House*, Park Let* & Your Parking Space. We found a Heathrow space for £40/wk, but there may be a price/security trade-off.
- Trick 5: Hidden local knowledge. Each airport has its own parking pecadillos. See MoneySavers' tips for Heathrow, Gatwick, Luton, E'burgh, Mancs, Bristol, Newcastle & NE, Birmingham & other Airport Discussions.
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| New cheapest-EVER loan 4.2% APR. New lowest rate for £7.5k - £15k: Borrow from Cahoot* at 4.2% rep APR. Need to borrow less? £5k - £7.5k: Clydesdale*/ Yorkshire low rate at 5.5% rep APR. Need £2,500 - £5,000: Hitachi* at 8% rep APR to £3,000 and 7.8% rep APR above. Always budget to ensure affordable repayments. Full help in Loan Best Buys. 2,000 free Southern Homebuilding Show tix (usually £8). 28-29 Jun, Sandown Park, Surrey. Free Tickets EDF energy fix ending? Compare & switch now. EDF's Blue+Price Promise Jun 2014 ends 30 Jun. Compare & switch via our free Cheap Energy Club, so hopefully your switch'll be done before you move to its standard deal.
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 CAMPAIGN OF THE WEEK
Muslim students - do you want a sharia-compliant student loan?
Since 2012's changes to student loans, borrowing to go to university has involved a real interest rate (ie, above inflation). Some Muslim students believe this is religiously prohibited and thus are put off uni. The Govt is proposing a new (same cost) sharia-compliant scheme to sit alongside traditional loans. Would you take it up? Share your views on Sharia-compliant student finance by 12 June. Plus see the Student Loans Mythbusting guide for more info. MONEY MORAL DILEMMA
Should I report couple fraudulently claiming benefits?
I know a married couple who are both living together full-time, and are both unemployed. But they're claiming benefits at two separate addresses - he at his parents' place, she at their place. I'm not comfortable with the idea of reporting them, but there should be more in the pot for genuine claimants. What should I do? Enter the Money Moral Maze: Should I report fraudulent benefit claims? | Suggest an MMD | View past MMDs THE GREAT HUNT
How do you make your house look occupied while on holiday?
The holiday season's here. But if you're heading away for a week or two, how do you deter burglars by making your home look occupied? From leaving a radio on to putting lights on a timer, we want to tap MoneySavers' collective knowledge. Share yours/read others': Making your home look occupied Past topics: View all CHEAP FLIGHT SALES ALERT
Airline: Jet2 Offer: 10% off all flights Ends: Mon 9 Jun
Our pick this week is Jet2's 10% off all flights sale, which ends Mon 9 Jun. Each passenger gets 10% off any flight (excluding some charges and extras) until 15 Nov 2015, from 8 UK airports to over 60 European destinations. There's no code to enter, the discount appears automatically. Excludes group bookings. Extra charges warning: Avoid payment and check-in charges - see the Budget Airline Fee Fighting guide. Related: Cheap Flights, Cheap Hotels, Spending Abroad, Cheap Currency, Travel Insurance THE GREAT HUNT... REVEALED
Your MoneySaving tips for getting a haircut
Getting a haircut needn't cost a fortune. Your tips include visiting local hairdressers rather than city centre ones, hunting down a training salon or college, using daily deals sites, buying your own clippers or cutting it in layers yourself. Or if you're a woman, try asking your local barber for a discount cut. back to top ↑ |
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Martin's blogs | Martin's appearances 4 June
Jeremy Vine, Radio 2, 1pm-2pm.
"What I wish I could tell my 18-year-old self?" | 5 June
Good Morning Britain, ITV, 7.30am-7.45am.
Deals of the week. | 5 June
Shelagh Fogarty, Radio 5 Live, 12pm-1pm.
Consumer Panel.
Subscribe to podcast. | 6 June
Ideal Home Show Manchester, Super Theatre, 12pm-1pm.
Cut your bills and fight your corner. | |
MSE team corner - Team appearances:
- No team appearances this week.
| Discussion of the week World Cup Office Shenanigans As the World Cup approaches, offices up and down the country are planning decorations and sweepstakes. Add your tips and tricks for football fever on a budget in the World Cup Office Shenanigans discussion. | Cheap travel money |
This week's poll: Will you be going on holiday this summer? The recession's over, or so we're told, and the bounce back is starting. Does this mean you'll be taking a holiday this summer? And if so, does the cost of travelling mean you'll break out in a cold sweat?
Which option is CLOSEST to your plans? If you're taking more than one trip this summer, answer for your main one. | Poll results Euro elections - why didn't you vote?
62% of MoneySavers voted - well up on the UK-wide figure of 34%. - 7% couldn't get to the polling station.
- 9% of women couldn't find a candidate/party they liked, compared to 6% of men.
- 7% of men and 4% of women couldn't be bothered.
- 4% forgot.
18,087 voted. See the full results. |
Question of the week Q: My 19-year-old son is doing a month-long backpacking rail trip across Europe and is staying in hostels. What travel insurance would be best? Julie, via Twitter. MSE Leigh’s A: Normal annual policies don't quite cover what you need when you're backpacking. They restrict you to about 24 days per trip, so your best bet here is a specialist policy. Try MoneySupermarket* and Confused.com* which offer backpacker quotes. Also check direct with Insure and Go, Direct Line* and Virgin Money* which all offer specialist backpacker cover. When buying backpacker cover, carefully consider where you are travelling. Make sure your policy covers all the countries you're going to - crossing into an area without coverage could invalidate your policy. Lastly, make sure you tell your insurer if you plan to work or take part in any dangerous activities such as skydiving or bungee jumping, to make sure you get the right cover for your trip. Please suggest a question of the week (we can't reply to individual emails). |
 Charlotte's free game of the week: A Second Chance |
Sci-fi books that predicted the future That's it for this week, but before you go, do you think books predict or influence the future? From Gulliver's Travels to The Hitchhiker's Guide to the Galaxy, this infographic of sci-fi classics from the It's Okay To Be Smart blog says they've done a bit of both. We hope you save some money, Martin & the MSE team |
| 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 we 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 MoneySaving Expert and Martin Lewis What is MoneySavingExpert.com?
Founded in February 2003, it's now the UK's biggest consumer help website with over 9 million people getting this email and nearly 13m using the site. In September 2012 it became part of the MoneySupermarket Group PLC. Its focus is simple: how to save cash and fight for financial justice on anything and everything. The site has over 30 full time staff about half 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 set up and runs MSE, and still writes this email each week (unless it says so). He's an ultra-focused money-saving journalist and consumer campaigner with his own ITV prime-time The Martin Lewis Money Show, weekly slots on Radio 5 Live, This Morning and Daybreak, amongst others. He’s a columnist for publications including the Telegraph and Woman magazine. More info: See Martin Lewis' biography What do the links with a * mean? Any links with a * 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 product at all and the editorial line (the things we write) isn't changed due to it. 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 capitalone.co.uk, aquacard.co.uk, luma.co.uk, barclaycard.co.uk, mycashplus.co.uk, firstdirect.com, protectyourbubble.com, direct-travel.co.uk, moneysupermarket.com, holidaysafe.co.uk, coverwise.co.uk, tesco.com, nationwide.co.uk, mbna.co.uk, postoffice.co.uk, gocompare.com, directline.com, aviva.co.uk, admiral.com, cbonline.co.uk, santander-products.co.uk, paybyfinance.co.uk, holidayextras.co.uk, skyparksecure.com, bookfhr.com, airparks.co.uk, gatwickairport.com, heathrow.com, parkatmyhouse.com, parklet.co.uk, firstdirect.com, santander-products.co.uk, confused.com, comparethemarket.com, postoffice.co.uk, talktalk.co.uk, virginmoney.com.
Financial Conduct Authority (FCA) Note Referring people to insurers or insurance intermediaries can in some circumstances constitute an FCA regulated activity. For this reason, pages with links which take you to the sites of insurers or insurance intermediaries are hosted by MoneySavingExpert.com Limited on behalf of MoneySupermarket.com Group PLC. MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). The registered office address of both MoneySupermarket.com Group PLC and MoneySupermarket.com Financial Group Limited is MoneySupermarket House, St. David’s Park, Ewloe, Chester, CH5 3UZ. To change your E-mail or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips |
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