Richard Adams

30 retailers including Selfridges, New Look and The Range are publishing misleading (worse) return rights information on their websites than you legally have. Find which stores to be careful of, and what your rights are. For the full list of stores go to moneysavingexpert.com/news/2… Clip courtesy of @GMB

News. The Chancellor's just announced Winter Fuel Payments will no longer be universal to all pensioners, now only pensioners on benefits will get it - in my view that's too narrow a group. Here's my formal statement to @RachelReevesMP ... -------------- The targeting of Winter Fuel Payments is too narrow with the winter we have coming. Pensioners were already due to get less as this will be the first time since winter 2022 they haven’t got the up to £300 extra winter fuel cost of living top-up. The Energy Price Cap is likely to rise 10% this October and stay high across the winter, leaving most energy bills nearly double those pre-crisis, at levels unaffordable for millions. Many pensioners eke out the £100 to £300 Winter Fuel Payments to allow them to keep some heating on through the cold months. While there's an argument for ending its universality due to tight national finances, it's being squeezed to too narrow a group – just those on benefits and Pension Credit. Yet again, those just above the thresholds will be hardest hit. This is often justified as there's a 'lack of household income data' to allow other targeting. However, there's a usable precedent from the emergency energy crisis measures announced in April 2022, which I'd urge the Government to look at. Then, a payment was made to homes in council tax bands A to D – as an imperfect but workable proxy for lower household incomes. That'd allow an additional group of lower to middle-income pensioners to keep the payments and mitigate bill shocks. Councils' discretionary funds could also be funded as in April 2022, for the limited numbers who still need help but don't qualify. Plus, with this announcement, the Government has a huge moral imperative to ensure the 800,000 people eligible for Pension Credit who don't get it, are informed, educated and helped through the process. It is planning an awareness-raising campaign, but it needs to ensure that reaches every corner – and if possible proactively and personally contact people. Pension Credit is a crucial gateway benefit, giving access to a host of other entitlements, and now with the link to the Winter Fuel Payment, it makes it even more important to ensure fewer miss out."

URGENT! Pls share. The last chance to register to vote in the General Election is 11.59pm tomorrow Tue 18 June. Potentially 8m aren't registered at their current address. Here's 4 key facts... 1) You can do it online here registertovote.service.gov.u… 2) It's good for your finances. Not being on electoral roll can make it more difficult to be accepted for credit products like bank accounts or mortgages. 3) You can opt out of the 'Open Register' (which allows your info to be sold on) which will stop you getting junk mail marketing ) 4) You'll need ID when you do vote (not to register) if you don't have it, you can get it free until Wed 26 June gov.uk/apply-for-photo-id-vo…

I think i worked up a bit of head of steam during my speech. I didn't know what I was going to say or where it was going to go (probably a good thing as then I may've been too polite to say what I said).