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| DON'T believe the fake 'Martin Lewis' or 'MSE' ads |
| Eg, switch to 35GB data for £3/mth with cheaper-than-chips Sims O2 is contacting customers to tell them it's hiking prices by more than it said it would when they signed up. As I said last week, this is outrageous - O2's making a mockery of Ofcom's rules (includes a video explainer/rant) - and puts all mobile, broadband and pay-TV customers of every firm at risk. I've since seen many angry customers saying: 'Right, I'm going to leave at the end of my contract', but that misses the key point... As O2's hiking prices by more than it told you when you signed up, it must let you leave penalty-free... within 30 days of notification. So while the rise only hits next April, as it's notifying people now, be prepared to ACT NOW. As many O2 customers are already paying more than they need to (see Cheap Mobile Finder) and O2's behaviour feels disreputable, it deserves a corporate bloody nose. Customers ditching it should damage its brand and help prevent it (& others) doing this again. Last week, I wrote a letter to the Chancellor (cc'ing Ofcom & the Department for Science & Industry) asking her to urgently change the rules. And yesterday I spoke to Liz Kendall, the Sec of State who covers this, who I'm pleased to say was also up in arms, and has written to Ofcom to ask for it to look at hardening its stance. Now on to three practical options to consider if you've been notified of the O2 rise...
O2 customer? Quick FAQs:
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| New Series The Martin Lewis Money Show Live starts tonight (Tue) 8pm ITV1. Don't miss it or watch back on ITVX. Ends 2pm Wed. Get £100 Amazon voucher just for OPENING (not switching to) a new bank account. New & existing Santander customers who open a new current account via the links below and spend 30 times on the debit card within 60 days (if that's a lot, just split your supermarket shopping up to qualify) will be emailed a link to claim a £100 Amazon voucher from 12 Feb 2026 (if not, check your spam). Full info's in our Santander review, but we'd focus on two accounts... £180 Henry vacuum £120 via code. MSE Blagged. Includes 8 tools + delivery. 2,000 available. Henry Are you due a share of £240m sitting in old energy accounts? If you've moved home or switched suppliers in the past five years, do a quick energy account check. Ends 11.59pm Wed. 25% off Disney toys code. Flash code gets 25% off 100s of toys, costumes and stationery. Disney Cheap, solicitor-drafted wills via charity scheme. Solicitor-drafted wills are the gold standard, and you can get one in return for a suggested £120 donation (£200 for couples' mirror wills) throughout Nov. Book now via Will Aid. Boots 'Star Gifts': £71 Soap & Glory £30 or £113 No7 skincare £39. See Boots Star Gifts for full analysis. New. Cheapest loans now 5.7%. Novuna (links via our eligibility calc) has cut its rates, making it cheapest at 5.7% rep APR interest on £7,500 to £25,000 loans. Your cheapest depends on acceptance odds. Our eligibility calc will tell you where that's most likely to happen... Up to £3,000: lowest rate 9.9% | £3,000 to £5,000: 9.7% | £5,000 to £7,499: 6.5%. Is a loan right for me? They are for NEEDED (fixing broken kitchen, not a holiday-type needed), planned, budgeted-for expenditure. If in doubt, don't. If you need one, keep costs down by borrowing as little as possible and repaying as quickly as possible. Early Black Friday sales from Argos, Currys, John Lewis & more - any good? See our regularly updated Black Friday deals analysis.
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| Got credit card debt? Many can save £100s or even £1,000s... 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, rather than servicing the interest - getting you debt-free quicker. And we've a new top, absolutely no cost deal, the best since 2023. First need-to-knows, then best buys.
Quick balance transfer FAQs (click links for the answers) Q. Is it worth applying if my eligibility odds are low? | Q. What if my credit limit isn't big enough? | Q. Can I shift debt to existing cards too? | Q. Should I try to pay off my biggest debt first? SPOILER: NO. |
| TWO pairs of specs £14 via code. MSE Blagged. Stack the code with existing offers. Delivery included. Glasses Direct 'I got £25,000 back & an extra £1,200/yr State Pension thanks to Martin!' Success of the week. If you took time off work between 1978 and 2010 to look after a child or someone with a long-term disability, you could be missing £10,000s in State Pension, like Sheila. She emailed in Oct: "I saw Martin's programme on 'Home Responsibilities Protection' and applied a couple of months ago. I've now received a letter to say my State Pension is going up £100/mth and that I'll also get £25,000 in back payments. So I would like to thank you - going to treat the family to a fabulous Christmas this year." If we've helped you save or reclaim (on this, or anything else), please tell us about it. Poll: How do you rate your bank's app? If you access your current account(s) via your bank's app, please let us know how you rate the app and its features (not the bank overall). Have your say Sun only. FREE train travel to Remembrance services for armed forces & veterans. Uniform or ID required. Travel to London on Saturday's free too. Remembrance rail travel |
| AT A GLANCE BEST BUYS
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| CAMPAIGN OF THE WEEK It's Number Confidence Week - check and improve your maths skills... Brushing up on your numeracy skills can make you feel more confident managing money. To help, the National Numeracy charity has a free 10-minute challenge to check your current level, then offers you tailored support to skill up. Take the National Numeracy Challenge. |
| THIS WEEK'S POLL How do you rate your bank's app? We want to know whether your bank's app is quick and easy to use, and what you think of its features. So if you access your current account(s) via your bank's app, please rate it (the app, not the bank). Vote in this week's poll. |
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| MONEY MORAL DILEMMA Should I give my neighbour the cash I made from selling their railings? My neighbour asked me to demolish and dispose of their patio wall with decorative iron railings. I did it as a favour and payment wasn't discussed. I took the rubble to the tip, but the railings wouldn't fit in my car, so I listed them on an auction website for 99p just to get someone to take them away. I was amazed when they sold for £100! I'm inclined to keep the money for my work, but should I hand it over to my neighbour? Enter the Money Moral Maze: Should I give my neighbour the cash from selling their railings? | Suggest a Money Moral Dilemma (MMD) | View past MMDs |
| MARTIN'S APPEARANCES (TUE 4 NOV ONWARDS) Thu 6 Nov - Ask Martin Lewis, BBC Radio 5 Live, midday |
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